Multi car insurance and different drivers

[Dystrophin345]

Basically had to add my sister in law to my insurance as her premium is quite high.

I couldn't say no. I've now got two cars under mine (one for myself and hubby and one for sister in law) But now I'm worried AIBU?

As she's under my policy (and she's a new driver with 2 accidents), if she has an accident I know that will affect the policy but would it affect mine if in the future we decided to take separate insurances?

You need to explain a bit more here.

Have you asked her to your policy or have you taken insurance in your name when it's really for her?

Get insurance on your no claims

If you are insisting her car and having her just a named driver rather then the main driver it is illegal. Insurance fraud called fronting.

Maybe you could clarify as your OP isn't very clear?

We have a multi-car policy and due to one of my DDs being abroad for a few months I've removed her from the policy from the small car that she and her sister use when home. Interestingly that has also reduced the premiums on my husband and my cars, which they never drove. Presumably because there was a 'risk' that they could decide to take them out sometime. So yes it's all linked - be absolutely up front with who is the main driver of the car, and where it is located, as otherwise you could find out that she is not properly insured.

I've got a multi car insurance policy now. So under one policy there are two cars. One is mine and the other is hers. I'm the main driver for my car and she is the main driver on hers. I'm not a registered driver on her car. She had two accidents so her insurance went pretty high. She couldn't afford it and because we live at the same address (joint family) for some reason, the lady who was speaking to them decided to tell them about our insurance and how it would be cheaper for her to be under mine with a multi car policy.

We're with admiral and it's not anything illegal.

Anyone?

The insurance is in your name so yes, any claims WILL affect you in the future.

I wouldn't have agreed to this.

I need to learn how to say no!

Multi car policies have to have more cars than drivers don't they? Also, if she's insured under your policy, you can drive her car and she can drive yours.