Driving other vehicles third party

Often with two named drivers the premium is less due to the spread risk??????
My car is cheaper with the wife as second named driver and likewise on her policy with me named
A point of interest Ralph, as my wife had been a named driver on our original policy she was granted 60% NCB when we took the new policy for her out with the same company---------worth investigating,also the cost difference for her was minimal
between TPFT and F.COMP[About £18 if my memory serves me correctly]

Originally Posted by -Ralph-

I was told even if my wife's car was insured in her name, I still could not claim as claiming against your wife was tantamount to claiming against yourself.

Sounds a little odd, who are you claiming against when you claim on your own policy then? It's not the insurance company, obviously - otherwise that would be the case here (unless you were planning on suing your wife - sorry, you)...

Originally Posted by muffles

Sounds a little odd, who are you claiming against when you claim on your own policy then? It's not the insurance company, obviously - otherwise that would be the case here (unless you were planning on suing your wife - sorry, you)...

OK, I didn't explain that well. I wasn't "uninsured" as such but would have lost my no claims. If you claim on your own policy, you are claiming against yourself, but for that reason you are loosing your no claims, etc.

I could have claimed for the damage as I was fully comprehensive, but what I couldn't do is provide my insurance details for the other car as the third party to claim against. In that scenario I would be the first and third party. The reason for wanting to do this was the excess was a 4 times more on my car than it was on my wife's and it was my wife's fault, so I wanted to claim for it on that policy. I was TOLD (that doesn't mean it's right!) that I wouldn't be able to name my wife as the third party either, even if she did have her own policy, as we were married I couldn't claim against her.

Originally Posted by -Ralph-

OK, I didn't explain that well. I wasn't "uninsured" as such but would have lost my no claims. If you claim on your own policy, you are claiming against yourself, but for that reason you are loosing your no claims, etc.

I could have claimed for the damage as I was fully comprehensive, but what I couldn't do is provide my insurance details for the other car as the third party to claim against. In that scenario I would be the first and third party. The reason for wanting to do this was the excess was a 4 times more on my car than it was on my wife's and it was my wife's fault, so I wanted to claim for it on that policy. I was TOLD (that doesn't mean it's right!) that I wouldn't be able to name my wife as the third party either, even if she did have her own policy, as we were married I couldn't claim against her.

Ah, ok got it - that makes sense (well the bit about claiming against yourself ). I'm surprised about the wife thing but who knows with insurance companies eh!