I recently passed my test and H2B insurance was up so we got a new policy together. Its his car so he is main policy holder and I am 2nd named driver.
does this mean I have to get my own insurance also, or am I ok to just use his? Its third party fire and theft for both of us.
I don't really get what you mean? If the insurance is in his name and you are a named driver then you can drive his car but if you have a second car then you need to have another policy on that car! Does that make sense?
You can just be a named driver on his insurance.
No need to take out a separate policy for yourself.
Great sorry about that I am crap at explaining these things. I meant do I need to get my own policy on top of being second named driver, but now I know I don't. I was a bit nervy as its like driving a feckin monster truck and need to feel calm and all knowledgable about the insurance side in case anything happens!
No need to get second policy, ring them and see if there is a discount for you passing the test. There normally is for the policy holder but not the named driver though!. That was the case when I passed
Honestly the price of it here. When I was on provisional with AXA at home last year it was 1600 e per annum, then it went down to 1400e after a year but here!! Oh no! I got quoted £3000 and upwards! Even though I've just passed and have 1 year no claims bonus. Its absolutely crazy!!
Just on an insurance point. If your OH has a full licence, you can usually name them as a driver on your car FOC and vice versa.
Axa reduced my policy by €200 because I put h2b as a named driver. They see this as risk reduction because on a long journey you are likely to share the driving.
I know most people have open drive but this usually only gives 3rd party cover on another persons car even if you are fully comp.