Admiral multi-car - does it build up NCD? - Civinfo
 
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post #1 of 11 (permalink) Old 12th September 2015, 19:26 Thread Starter
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Admiral multi-car - does it build up NCD?

I didn't need a car for a few years so just drove the wife's car. When I needed my own car again I was told my No Claims Discount had 'expired' because I hadn't had my own insurance for so long.

So, we insured it through Admiral multi-car, with the wife being the main person. We've been with them a few years now.

Although I'm not the main policy holder, would I be building up a No Claims Discount with them ... I suspect not but thought I' ask anyway.
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post #2 of 11 (permalink) Old 12th September 2015, 19:46
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Quote:
Originally Posted by wheresmydog View Post
I didn't need a car for a few years so just drove the wife's car. When I needed my own car again I was told my No Claims Discount had 'expired' because I hadn't had my own insurance for so long.

So, we insured it through Admiral multi-car, with the wife being the main person. We've been with them a few years now.

Although I'm not the main policy holder, would I be building up a No Claims Discount with them ... I suspect not but thought I' ask anyway.
I believe that it is the main policy holder only that builds up the no claims, so I don't think you will be mate. Need to get your own policy with them but still claim the multi car thing as they are both part of the same family.
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post #3 of 11 (permalink) Old 12th September 2015, 20:58
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I used to be on a policy with my mum and she was the policy holder and yes I was building NCD on it.


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post #4 of 11 (permalink) Old 22nd September 2015, 13:06 Thread Starter
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It seems I was building up NCD whilst not the main policyholder.
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post #5 of 11 (permalink) Old 23rd September 2015, 09:46
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You might find that the 'bonus' is only valid with Admiral as the industry standard is that you only build up bonus on cover in your own name. Best to check.
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post #6 of 11 (permalink) Old 23rd September 2015, 10:22
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If it's multicar you each have you own insurance policy I think, my girlfriend kept hers when she left admiral

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post #7 of 11 (permalink) Old 24th September 2015, 09:35
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If it's multicar you each have you own insurance policy I think, my girlfriend kept hers when she left admiral
The OP said he was on his wife's policy, so not the main driver.
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post #8 of 11 (permalink) Old 24th September 2015, 11:36
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http://www.admiral.com/car-insurance...-with-multicar

Google is a wonderful thing scroll to bottom of that page 👍

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post #9 of 11 (permalink) Old 24th September 2015, 12:15
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But as a named driver this bit is relevant and bears out what I said above:

"Can a named driver on my policy earn their own No Claims Bonus?
Yes, they can build up their own No Claims Bonus to use on another Admiral policy..."


only usable on another Admiral policy.
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post #10 of 11 (permalink) Old 24th September 2015, 13:15
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Quote:
Originally Posted by ChrisKnottIns View Post
But as a named driver this bit is relevant and bears out what I said above:

"Can a named driver on my policy earn their own No Claims Bonus?
Yes, they can build up their own No Claims Bonus to use on another Admiral policy..."


only usable on another Admiral policy.
Yeah I read that bit, only thing he can do is ring then, i know it's off topic but I got a quote from you for gap insurance, how soon do I need to take it before my insurance won't pay the invoice price for the car

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post #11 of 11 (permalink) Old 24th September 2015, 13:47
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Assuming it's the online Combination GAP cover you're referring to, you need to take the cover within 90 days of purchase of the vehicle. If it's a brand new car your motor insurance will probably replace your car new-for-old up to 12 months. After that they will only pay market value.
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