Car insurance in partner's name
Getting car insurance in your partner's name can sometimes be cheaper. You can take out car insurance in your partner's name, provided you live at the same address.
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Getting low-cost car insurance
Do you have few or no claim-free years or even negative claim-free years? And has your partner accumulated more years without claims? No-claim discount means a lower premium for your car insurance.
In fact, for your car insurance coverage, it makes no difference whether the insurance is in your name or that of your partner or spouse.
It is wise to put the insurance in the name of the person who drives the car the most to avoid problems in case of damage or claims. This will prevent you from getting into trouble when claims are settled or new applications are made.
Claim-free years and discount on your premium
You can accumulate claim-free years together, but they always remain associated with one person. The person who has the car insurance in their name is the owner of the accumulated claim-free years.
The number of claim-free years and the number of years accrued are important for the amount of your premium. The more claim-free years you have accumulated, the higher the no-claim discount.
You don't accrue claim-free years yourself
If you put the insurance in your partner's name, you do not build up any claim-free years and no-claim discount. That becomes a problem if, for example, you break up and want to take out your own car insurance.
For the new car insurance in your own name, you will then pay a higher premium. This is because you have no or few claim-free years. Those are in your partner's name.
If you take out insurance in your own name, you do build up your own claim-free years and benefit from the associated no-claims discount. This can be advantageous if you want to take out your own car insurance in the future.
Transferring claim-free years to an ex-partner
Do you separate? Then the claim-free years thus remain of one of both partners. It is possible to transfer the years (partially) to the partner with a waiver.
This will prevent the partner who does not have the car insurance in his or her name from having to start again with zero claim-free years and not being entitled to a discount on the car insurance.
Here's how it works: insuring a car in your partner's name
Do you want to put the insurance in your partner's name? Then the car must also be administratively in your partner's name. While insuring, you must always provide the car's registration number.
The most important condition for putting car insurance in your partner's name is that you are registered at the same address. If you want to purchase insurance for your partner, it is important to check in advance that you live at the same address.
The main driver determines who is registered as the insured and this directly affects the premium. Insurers want to know who the regular driver of the car is. It is not a problem if your partner lends the car. Insurers assume that partners use a car jointly.
Transfer car to partner's name
To put a car in your partner's name, you have to transfer the car. You can do this at an RDW-recognized license plate counter or online via the RDW with your DigiD. You will need the original vehicle registration certificate (or registration card with registration code) and valid identification.
After the transfer, your partner will receive a new registration certificate and will officially become the legal owner and holder of the vehicle. The insurance must then also be changed to the new name or taken out again. There is an obligation to notify your insurer as soon as the registration changes.
Insure more cars with second car scheme
Have you bought a second car or are you taking out second car insurance? Then you can often save money by insuring both cars with the same insurer through the second car scheme.
When owning multiple vehicles, you can choose to have your own car insurance policy for each vehicle, so you build up claim-free years for each car.
Many car insurance policies offer discounts if you own multiple vehicles. Contact us if you want to purchase multiple car insurance policies.
Younger than 24 years of age
Is your partner over 24 and you yourself are under 24? Then you can also save on the premium by putting the insurance on your partner. This is because as a young person under the age of 24, you fall into a so-called risk group and usually have to pay more premium.
Note that this construction is only possible at the time when your partner is also the regular driver of the vehicle.
Car insurance in another name
Car insurance can also be taken out in another name, for example, when the vehicle is sold, donated or dies. Be sure to follow proper administrative steps, such as transferring the registration and arranging insurance at the time. Driving uninsured can earn you fines.
Car insurance in parent's name
Basically, you may not insure your car in your parents' name if you yourself are the regular driver. Insurers require that the person who drives the car the most must also be listed as the insured.
Is the insurance in your parents' name, but you use the car daily? This can be seen as concealment. In case of damage, the insurer may then refuse to pay out.
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Frequently asked questions about insuring a car in your partner's name
Can I insure my car in my partner's name?
Yes, this is allowed with most insurers, provided you and your partner are registered at the same address. In addition, your partner must be the regular driver of the car. Otherwise, you run the risk of rejection in the event of a claim.
Who should be the main driver when I have car insurance in my partner's name?
The main driver is the person who drives the car the most. Insurers base their premium and risk assessment on this person. Misstatement can be seen as concealment and lead to problems in the event of a claim.
Can I transfer an existing car insurance policy to a partner's name?
You cannot transfer an existing car insurance policy into your partner's name, because claim-free years are personal.
You must terminate the current insurance and your partner must then take out a new car insurance policy in his or her name. In doing so, your partner can put in his or her own claim-free years and the premium will be recalculated based on that profile.
Do I accrue claim-free years if the insurance is in my partner's name?
No, claim-free years are only accrued by the person in whose name the insurance policy is written. Even if you drive the car daily, you do not accrue any years yourself as long as the policy is not in your name.
Can I transfer claim-free years to my partner?
Yes, this can be done in specific cases such as divorce or death via a waiver. Not all insurers automatically accept this, so always check the conditions beforehand.
Is it more advantageous to insure my car in my partner's name?
It depends on your individual profile. If your partner has more claim-free years or falls outside a high-risk group (such as younger drivers), that can make a big difference in the premium. Just make sure that the actual driver also matches what you declare.
What happens to car insurance and claim-free years in a divorce?
Claim-free years are linked to the person in whose name the insurance was taken out. In the event of a divorce, you can transfer (part of) these to your ex-partner via a waiver, provided the insurer accepts this.
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