****** Insurers

[Suffolk944]

As the 50th Anniversary event is fast approaching and because of the fact that my better half has expressed a desire to try out my car, I thought I would get her put on my policy so she could occasionally have a drive as and when she wanted to. Turns out that the Insurers won't allow it as she has not had experience of driving similar cars !!![][] Now she has 20 years driving experience and a clean licence and was not proposing to head on off to try and break the lap record at the Ring any time soon but apparently this isn't good enough. [&:]

Anyone else come across this nonsense before ?

 

[Mike_Pollock]

As always with insurers there is no standard idea.

My wife is on my policy, no problem and they didn't ask about her experience of driving "performance cars".

 

[pauly]

Alway put my other half on as a matter of course, doesn't cost any more as far as I know, pity she doesn't like it [:-].

 

[Suffolk944]

Perhaps it the modifications that have done it ? Pretty poor show, would have been prepared to pay a bit more premium if required. Come renewal time will be looking around hard for alternatives.

 

[pauljmcnulty]

Turns out that the Insurers won't allow it as she has not had experience of driving similar cars !!!

Ouch. Is that a general thing, for instance never been insured on a high-group car, or because it's mildly modded? [&o]

 

[robwright]

I always put the missile on as a matter of course as it generally reduces the policy to have one's spouse or significant other on there. She has never driven the car and has refused to even after encouragement from me as she would be too scared to damge it.

 

[Neil Haughey]

A very strange thing, I put Steph on the insurance for my Rangie and the renewal quote went down.

 

[Mark_Bennett]

Might depend on the scheme. Several specialist Porsche insurers have this, I know ours does (good job we are "experienced")

 

[Hairyarse]

Never heard that before, sounds ridiculous. Time for a new insurance company??

 

[loc944]

How do they know and how can they check if she has experience driving Performance Cars?

 

[Joolsfools]

The first company I contacted didn't want to quote due to my lack of experience in super cars. Had a number of recent high value claims apparently.

Second company were happy with my experience in cars and on bikes. Didn't ask about Mrs Jools that I can remember.

David

 

[Chrishazle]

Over 15 years of 944 lux / 944S and 968 ownership, always with herself as named driver on the policy and never a problem with insurers (and yes, she does drive them - in fact the first 968 was bought as our main car!)! Maybe it's the turbo + mods on your car scaring them!

 

[Mark Elder]

ORIGINAL: robwright

I always put the missile on as a matter of course as it generally reduces the policy to have one's spouse or significant other on there.  She has never driven the car and has refused to even after encouragement from me as she would be too scared to damge it.

Exactly my experience, reduces cost, and she refuses to drive it. Bargain!

 

[John Sims]

We went through a stage when it was almost impossible to get Beaky insured, being a mildly modified Turbo. It wasn't a case of "which was the cheapest" as "could we get anything at all?" Then there was the bizarre situation when, because I had exceeded my annual mileage allowance in 9 months, they gave me two weeks notice that they would terminate my current insurance. Fair enough, let's take out a new pollicy. "Oh, we can't do that for another 3 months Sir" Go figure - I'd given then Shed loads of dosh for 12 months, not claimed in 9 and, when offering to give them another pile of pounds, they didn't want it.

 

[Fat Albert]

When I first got mine, many of the classic insurers asked for a list of previous cars to assess my driving background, but never asked about my Wife's, except that she was covered and drove all of my previous cars. I guess the presence of the Scooby WRX and the 300BHP+ SAAB 9000 was enough to convince them

 

[DivineE]

I find the best solution is to lie. It's not like they can prove she doesn't drag 500hp muscle cars at the weekend on the track or is insured on a work policy for her Veyron. I mean I'm all for playing it straight with legal documents but on a silly point like that where they are just being pathetic.. show some creativity. Just tell them she drives your car from time to time under a third party agreement but you just thought it was time to put her properly on the insurance?!

 

[John Sims]

ORIGINAL: DivineE

I find the best solution is to lie. ...

As an insurance contract is "Of the utmost good faith" you might want to withdraw that comment as your insurers could withdraw you insurance.

 

[supersport]

I had this with Carol Nash when I bought the 911, they wouldn't quote for me on a 20 year old car because I hadn't owned anything similar, I simply never talked to them again or recomend them.

Never had it for the wife though.

 

[peugeot]

Carole Nash put my wife on but I didn't tell her (he he)
I'm on a limited milage policy with my s2 but they have never asked the original milage or the milage at time of renewal .How does that work then ?[]

 

[kasspa]

ORIGINAL: robwright

I always put the missile on as a matter of course as it generally reduces the policy to have one's spouse or significant other on there.  She has never driven the car and has refused to even after encouragement from me as she would be too scared to damge it.

+1 for exactly the above.... my wife has even had a claim in last 3 years & made no difference[]

Try ClassicLine, agreed valuation & limited mileage.

hth

Paul