Insurance no-claims bonus?

dan00001 · 13th March 2008, 18:17

hi, im a bit confused about no-claims bonuss, if you have a car with say 5 years no-claims bonus and then you go out and buy a second car do you also have 5 years no-claims bonus on that car and if not can you take some of the no-claims of the one car and put them on the other car also at the moment im on my mums insurance on my car wich she has now got 2 years no-claims on so when i change my car and insurance company but still in my mums name can i say my mums got 2 years no-claims bonus on my new car? thanks,dan.

harleyfatboy · 13th March 2008, 18:19

Me too......ON A STEEL HORSE I RIDE

bucketp · 13th March 2008, 18:25

????????????

alanwalne · 13th March 2008, 18:28

Some companies (Direct Line for one) allow you to count being a named driver as building up no claims. It depends on the insurance company.

Dimplyred · 13th March 2008, 18:29

You've confused me now too with the second part of your post relating to your Mums insurance.

Regarding the use of NCD it can only be used on one car at a time. There are companies that will duplicate your NCD onto another car, if you hold both policies with the same companies, but that is down to individual companies.

With your Mums insurance are you saying she insures your car with you on as a named driver and has two years NCD?

If you are then yes, if you sell your car and buy another and your Mum is insuring that one, her 2 years NCD will be valid for that new car.

Hope this helps!

Dalboy · 13th March 2008, 18:56

Named driver insurance - fronting - (split thread)
Have a look at the above as if insurance co thinks you are main driver they may not pay out if insured in mothers name

ctrdaveg · 13th March 2008, 19:03

Quote:

Originally Posted by dan00001

hi, im a bit confused about no-claims bonuss, if you have a car with say 5 years no-claims bonus and then you go out and buy a second car do you also have 5 years no-claims bonus on that car and if not can you take some of the no-claims of the one car and put them on the other car also at the moment im on my mums insurance on my car wich she has now got 2 years no-claims on so when i change my car and insurance company but still in my mums name can i say my mums got 2 years no-claims bonus on my new car? thanks,dan.

Your better off getting an insurance company (eg. Direct Line ) that allow NCB to be gained by the named drivers. This way, when you eventually get your own insurance, you'll have a few years NCB to lower your premium.
DL are not the cheapest though, so beware !

TTDegs · 13th March 2008, 22:58

Dan - first up, definately read the thread Dalboy mentioned above

Not suggesting for a moment that it does apply to you, but worth a read anyway

and you need to be careful with phrases like 'my car' if you are the named driver

back to your original question:
If your mum owns a car, on which you have been a named driver for 2 years, and she has 2 yrs NCB.
If you then buy your own car (but she keeps hers), then some insurance companies will let you start off with
at least some NCB, maybe even the full 2 years.

If however, you are say 4 months into your 3rd year of NCB and your mum sells her car, and buys a new one, and keeps you on the insurance then a few things could happen...
1) the old insurance company are happy to insure you (both) on the new car, so will charge you an amount to 'to up' to the end of the third year. This may or may not be the cheapest option for you...

2) you shop around, and find a dead cheap deal. They will only allow you 2 years NCB, as you haven't earnt your 3rd year yet. Bear in mind that you will also get some refund on your current insurance (but not a lot)

3) current insuance co refuses you insurance on the new car. see point 2

hope that makes a least a bit of sense!

13th March 2008, 18:17	#1 (permalink)
dan00001 Valve Cap Join Date: 9th March 2008 Location: cardiff Posts: 7 Thanks: 0 Thanked 0 Times in 0 Posts	no-claims bonus? hi, im a bit confused about no-claims bonuss, if you have a car with say 5 years no-claims bonus and then you go out and buy a second car do you also have 5 years no-claims bonus on that car and if not can you take some of the no-claims of the one car and put them on the other car also at the moment im on my mums insurance on my car wich she has now got 2 years no-claims on so when i change my car and insurance company but still in my mums name can i say my mums got 2 years no-claims bonus on my new car? thanks,dan.

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This thread is about: no-claims bonus?, it's in Buying, Dealers and Servicing at the Honda Civic forum Civinfo; hi, im a bit confused about no-claims bonuss, if you have a car with say 5 years no-claims bonus and then you go out and ...

13th March 2008, 18:19	#2 (permalink)
harleyfatboy Locking Wheelnut Join Date: 24th November 2007 Location: london Posts: 170 Thanks: 0 Thanked 3 Times in 3 Posts	Me too......ON A STEEL HORSE I RIDE

13th March 2008, 18:25	#3 (permalink)
bucketp Exiled Englishman Triangular Exhaust Join Date: 23rd October 2007 Location: Peebles, Scottish Borders Posts: 361 Thanks: 0 Thanked 0 Times in 0 Posts	????????????

13th March 2008, 18:28	#4 (permalink)
alanwalne Supporter Magic Rear Seat Join Date: 11th June 2007 Location: Kent Posts: 763 Thanks: 1 Thanked 4 Times in 4 Posts	Some companies (Direct Line for one) allow you to count being a named driver as building up no claims. It depends on the insurance company.

13th March 2008, 18:29	#5 (permalink)
Dimplyred Type R GT 09570 Civinfo guru Join Date: 24th August 2007 Location: Staffordshire Posts: 3,253 Thanks: 16 Thanked 41 Times in 41 Posts	You've confused me now too with the second part of your post relating to your Mums insurance. Regarding the use of NCD it can only be used on one car at a time. There are companies that will duplicate your NCD onto another car, if you hold both policies with the same companies, but that is down to individual companies. With your Mums insurance are you saying she insures your car with you on as a named driver and has two years NCD? If you are then yes, if you sell your car and buy another and your Mum is insuring that one, her 2 years NCD will be valid for that new car. Hope this helps!

13th March 2008, 18:56	#6 (permalink)
Dalboy Supporter Triangular Exhaust Join Date: 21st January 2007 Location: Worcestershire Posts: 343 Thanks: 0 Thanked 0 Times in 0 Posts	Named driver insurance - fronting - (split thread) Have a look at the above as if insurance co thinks you are main driver they may not pay out if insured in mothers name

13th March 2008, 22:58	#8 (permalink)
TTDegs Super Moderator Civinfo master Join Date: 4th August 2006 Location: Cardiff Posts: 5,638 Thanks: 0 Thanked 0 Times in 0 Posts	Dan - first up, definately read the thread Dalboy mentioned above Not suggesting for a moment that it does apply to you, but worth a read anyway and you need to be careful with phrases like 'my car' if you are the named driver back to your original question: If your mum owns a car, on which you have been a named driver for 2 years, and she has 2 yrs NCB. If you then buy your own car (but she keeps hers), then some insurance companies will let you start off with at least some NCB, maybe even the full 2 years. If however, you are say 4 months into your 3rd year of NCB and your mum sells her car, and buys a new one, and keeps you on the insurance then a few things could happen... 1) the old insurance company are happy to insure you (both) on the new car, so will charge you an amount to 'to up' to the end of the third year. This may or may not be the cheapest option for you... 2) you shop around, and find a dead cheap deal. They will only allow you 2 years NCB, as you haven't earnt your 3rd year yet. Bear in mind that you will also get some refund on your current insurance (but not a lot) 3) current insuance co refuses you insurance on the new car. see point 2 hope that makes a least a bit of sense!