| Paul,
Been through this mularkey recently. Not quite the same situation as you though.
I had no car no claims to use but named on the handbrakes policy for years with no claims. The Broker gave me a sensible quote for the family bus while the Handbrake with a big no claims insures the turbo nutter special with each other named as drivers on each policy.
Naming a woman as another driver does seem to bring the insurance down for some bizarre reason.( sorry)
Shopping around is the name of the game. Any chance of using some sort of Business/Fleet insurance for you? That can sometimes cost a fortune anyway.
I can see a difference in the way bike and car tend to give cover.
Generally speaking most car Policies chuck in cover for spouse for no cost if you have one vehicle, but if you go up to two or more there is double the number of vehicles on the road at any one time, so two policies/premiums needed. Bike insurance doesn't cover the spouse to drive, just the named rider, so even if you have 100 bikes only one on the road at any one time.
The journos at Autocar have been moaning a few times about the lack of car/bike combo insurance but the industry doesn't want to fill the gap,
maybe the GF, housekeeper, cleaner, or any passer by will let you insure it in their name??
Ray.
[Edited on 2-12-2004 by Ray]  |