Car Insurance in a Partner's Name
Taking out car insurance in your partner's name can sometimes be cheaper. You can put the car insurance in your partner's name, provided you live at the same address.
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Have you accumulated few or no claim-free years —or even negative claim-free years? And has your partner accumulated more claim-free years? In that case, the no-claims discount will lower your car insurance premium.
When it comes to your auto insurance coverage, it makes no difference whether the policy is in your name or in your partner’s or spouse’s name.
It’s a good idea to put the insurance policy in the name of the person who drives the car the most to avoid problems in the event of damage or claims. This way, you’ll avoid running into trouble when filing a claim or applying for new coverage.
Claim-free years and a discount on your premium
You can build up claim-free years together, but they are always tied to one person. The person in whose name the auto insurance policy is held is the owner of the accumulated claim-free years.
The number of claim-free years and the total number of years you've accumulated are important factors in determining the amount of your premium. The more claim-free years you've accumulated, the higher your no-claim discount.
You don't accumulate any claim-free years yourself
If you take out the insurance in your partner's name, you won't accumulate any claim-free years or no-claim discounts yourself. That can become a problem if, for example, you break up and want to take out your own auto insurance.
You'll pay a higher premium for the new auto insurance policy in your own name. This is because you have few or no claim-free years; those are under your partner's name.
If you take out the insurance in your own name, you’ll build up your own claim-free years and benefit from the corresponding no-claims discount. This can be advantageous if you want to take out your own auto insurance in the future.
Transferring claim-free years to an ex-partner
Are you separating? In that case, the no-claims years will remain with one of the partners. It is possible to transfer some or all of those years to the other partner by signing a waiver.
This way, you can prevent the partner whose name isn't on the car insurance policy from having to start over with zero claim-free years and losing their right to a car insurance discount.
Here's how it works: Insuring a car registered in your partner's name
Would you like to transfer the insurance to your partner's name? In that case, the car must also be registered in your partner's name. When purchasing insurance, you must always provide the car's license plate number.
The most important requirement for adding your partner to your auto insurance policy is that you are both registered at the same address. If you want to purchase insurance for your partner, it’s important to check in advance whether you live at the same address.
The primary driver determines who is listed as the insured, and this directly affects the premium. Insurers want to know who the regular driver of the car is. It’s not a problem if your partner borrows the car. Insurers assume that partners share the use of a car.
Transferring a Car to a Spouse's Name
To register a car in your partner’s name, you must transfer ownership of the car. You can do this at an RDW-authorized registration office or online through the RDW using your DigiD. To do so, you’ll need the original vehicle registration certificate (or registration card with a verification code) and a valid form of identification.
After the transfer of ownership, your partner will receive a new registration report and will officially become the legal owner and holder of the vehicle. The insurance must then be updated to reflect the new name or a new policy must be purchased. You are required to notify your insurer as soon as the registration changes.
Insure More Cars with the Second-Car Program
Have you bought a second car or are you taking out a second auto insurance policy? In that case, you can often save money by insuring both cars with the same insurer through the second-car policy.
If you own multiple vehicles, you can choose to have a separate auto insurance policy for each vehicle, so that you can build up no-claims years for each car.
Many car insurance policies offer a discount if you own multiple vehicles. Please contact us if you'd like to purchase multiple car insurance policies.
Under 24 years of age
Is your partner older than 24 and are you yourself younger than 24? If so, you can also save on your premium by putting the insurance in your partner’s name. This is because, as someone under 24, you fall into a so-called high-risk group and usually have to pay a higher premium.
Please note that this arrangement is only possible if your partner is also the primary driver of the vehicle.
Taking Out Car Insurance Under a Different Name
Car insurance policies can also be taken out in someone else’s name —for example, in the event of a sale, gift, or the death of the vehicle’s owner. Make sure you follow the proper administrative steps, such as transferring the policy to the new owner’s name and arranging insurance in a timely manner. Driving without insurance can result in fines.
Car Insurance in the Parents' Name
In general, you are not allowed to insure your car under your parents' name if you are the primary driver. Insurers require that the person who drives the car the most be listed as the insured.
Is the insurance policy in your parents' name, but do you use the car every day? This could be considered a failure to disclose. In the event of a claim, the insurer may then refuse to pay out.
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Frequently Asked Questions About Insuring a Car Registered in Your Partner's Name
Can I insure my car under my partner's name?
Yes, most insurers allow this, provided that you and your partner are registered at the same address. In addition, your partner must be the primary driver of the car. Otherwise, you run the risk of having a claim denied.
Who should be listed as the primary driver on a car insurance policy in my partner's name?
The primary driver is the person who drives the car the most. Insurers base their premiums and risk assessments on this person. Providing incorrect information may be considered a misrepresentation and could lead to problems in the event of a claim.
Can I transfer an existing auto insurance policy to my partner's name?
You cannot transfer an existing auto insurance policy to your partner's name because claim-free years are tied to the individual.
You must cancel the current insurance policy, and your partner must then take out a new auto insurance policy in his or her name. Your partner can use his or her own no-claims history, and the premium will be recalculated based on that profile.
Do I accumulate claim-free years if the insurance policy is in my partner's name?
No, claim-free years are accrued only by the person in whose name the insurance policy is held. Even if you drive the car every day, you won’t accrue any claim-free years yourself as long as the policy isn’t in your name.
Can I transfer my claim-free years to my partner?
Yes, this is possible in specific cases, such as in the event of a divorce or death, by submitting a waiver. Not all insurers automatically accept this, so always check the terms and conditions in advance.
Is it more cost-effective to insure my car in my partner's name?
That depends on your individual profile. If your partner has more claim-free years or isn’t in a high-risk group (such as younger drivers), that can make a big difference in the premium. Just make sure the actual driver matches the information you provide.
What happens to car insurance and no-claims years in the event of a divorce?
Claim-free years are tied to the person in whose name the insurance policy was held. In the event of a divorce, you can (partially) transfer these to your ex-spouse by means of a waiver, provided the insurer agrees.
Related pages about purchasing auto insurance
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