Discussion
Bare with me on this......
Wife bought a car for our 17yo to learn on, him as named driver and for his occasional use when he has passed test -she made this quite clear, same as we did for his bro five years ago....
She has been named driver on my trade policy for almost ten years with no accidents
She has no NCB as a policyholder, but has over ten years with no accidents.....and I have forwarded evidence of this
Policy in place and they (Direct Line) now say that they cannot give her any discount as she is concurrently a named driver on another policy
Is this correct?
Any suggestions?
Wife bought a car for our 17yo to learn on, him as named driver and for his occasional use when he has passed test -she made this quite clear, same as we did for his bro five years ago....
She has been named driver on my trade policy for almost ten years with no accidents
She has no NCB as a policyholder, but has over ten years with no accidents.....and I have forwarded evidence of this
Policy in place and they (Direct Line) now say that they cannot give her any discount as she is concurrently a named driver on another policy
Is this correct?
Any suggestions?
hardcorehobbit said:
So they won't allow anyone to have their own policy as main driver if they are already on another policy as a named driver?
Someone at the insurance company is talking rubbish in my opinion.
doesnt sound right..im a named driver on the g/f's car and hold my own insuranceSomeone at the insurance company is talking rubbish in my opinion.
Hi Melv
A No Claims Bonus traditionally applied to the policyholder only and for each individual car/vehicle insured. Some insurers (eg. Direct Line) also allow this now for named drivers. Most Motor Trade policies don't apply earned no claims bonus either.
Introductory bonuses often apply when proof of claim free driving can be supplied, but this is very much down to the insurer concerned and is not industry standard.
In this case you state that the car has been purchased for your son to learn in which implies that he will be the main user once he has passed his test (I know this may not be so in his case but it usually is with most youngsters). The rating will probably be based now on his details with no bonus/intro so could be pricey.
I have seen some absolutely horrible figures floating around especially for young lads. The market has moved on massively since you insured your first son.
Sorry if this isn't what you want to hear.
A No Claims Bonus traditionally applied to the policyholder only and for each individual car/vehicle insured. Some insurers (eg. Direct Line) also allow this now for named drivers. Most Motor Trade policies don't apply earned no claims bonus either.
Introductory bonuses often apply when proof of claim free driving can be supplied, but this is very much down to the insurer concerned and is not industry standard.
In this case you state that the car has been purchased for your son to learn in which implies that he will be the main user once he has passed his test (I know this may not be so in his case but it usually is with most youngsters). The rating will probably be based now on his details with no bonus/intro so could be pricey.
I have seen some absolutely horrible figures floating around especially for young lads. The market has moved on massively since you insured your first son.
Sorry if this isn't what you want to hear.
I would imagine it is down to the fact that she is named on a trade policy ( which I presume means she can drive any vehicle ) and so can hardly claim she needs her own policy, so they are smelling fronting. Either take her off the trade policy, in which case they will give her the discount or bite the bullet.
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