Hi there!

This a NCB question, subject touched here a few times but not quite what I need. I've been a named driver on my wife's policy for 4 years, she made a claim 2 months ago and it's time to renew; what I would like to know is: can I get a new policy, in my name, for the same car, using my NCB?

In other words, she made the claim, lost her NCB, but I haven't - can I be considered 'clean' so to speak if I take insurance, in my name this time for the same car?

Thank you.

Yes you can, as your history of no claims is valid.  However some considerations:

1) Not all insurance companies consider no claims earned as a named driver

2) You wife will only have lost 2 years no claims for the accident - so depending on how long she has been claim free before that, you might find leaving the policy in her name is best all round

3) You say wife, & it isnt that I dont doubt you, but it will need to be an actual marriage (ie not just living together for years), otherwise most insurance companies will not allow you to insure a vehicle in her name.

4) When you put her on a policy in your name, then the claim will need to be declared. However, most companies wont care about just the one claim in the last few years (depending on the value)

Dave

Thanks, Dave appreciate it. Wife was claim free 4 years before the claim 2 months ago.Yes, we are legally married. The renewal policy (we just received) states she has 1 year NCB. How's that?

Not sure about value of claim, as i was only told the cost of labour (about £600).

The claim value sounds relatively low (unless personal injury was involved of course).

As to how the NCB works.  I would guess the following happened:

On last years renewal she had 3 years NCD, with this last year being the 4th year.

As hse has had a claim, this last year wont be counted, and she will lose 2 years from the 3 she had earned.

(If the renewal last year said 4 years, ir could be your insurers policy to take off 3 years, or it could be a mistake - so ring and check).

Dave.

Thanks again, Dave - you're right entirely so I guess that makes sense now. Also, from early quotes I got this morning, it looks like if we renew in her name again, it won't make much of a difference in price.

Many, many thanks.

Mihai

Glad I could help, and please stick around - hopefully you can return the favour some time soon.

Dave 

Hi Dave --- Perhaps running off at a tangent and apology to the OP, but to your knowledge which companies will consider the named drivers past NCB ? I currently am the named driver (spouse) on my wife's policy using esure, and I would like to know which companies would accept my six years clean NCB if I get insurance in my own name. We currently run two cars and I now find I am increasinly becoming the main driver of one of the cars.

The only one that comes to mind instantly is Direct Line, but to honour the full amount you would need to be insured with them as the named driver while you built up your claim free status.

Having said that, most insurance companies will give an introductory discount to new customers, and depending on age & claim history this can often by as high as 50% (full NCD is only 65-70%), so it is worth shopping around properly and not just limiting yourself to those that advertise the honouring of NCD.

Another consideration is something like Admiral's bonus accelerator, where you take a 10 month policy, but the renewal notice states 1 years NCD.  This way you can get NCD built up quicker (it is what I did after being unfortunate to have 2 fault claims in a 13 month period, wiping out all my NCD) 

Dave 

Fiamold:

Glad I could help, and please stick around - hopefully you can return the favour some time soon.

Dave 

I would certainly like that, thanks again. Mihai