Originally Posted by TeePee
Why aren't you own her wife's policy?
I take it you mean to ask, why I am not on my wife's policy.
The policy is issued to the person that insures the vehicle. I am permitted to drive my wife's car, since she has insured the vehicle. But, that's not the issue.
Classic car insurers want to know that there is at least one vehicle for every licensed driver in the household, other than the classic car itself. Otherwise, they argue, there's the likelihood that one of the drivers will resort to using the classic for routine use. Even if I could "go on my wife's policy", that wouldn't help. We are two drivers, with one vehicle - other than the classic car.
I'm not saying it's a reasonable rule - in fact, I think it's unreasonable. If I could somehow document I am limiting my driving of the classic (and I guess sending odometer readings wouldn't do it, since it's easy to turn them back on an old car), I certainly would.
So, I'll re-ask the question: Is there any agency that will insure my classic, without forcing me to buy a clunker?