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No Claims Discount

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I've been driving for nearly 20 years now and I have full no claims discount. I had money problems two years ago and had to sell my car. I'm now in a position to buy another car but my girlfriend thin…
djh1975 Avatar
2y, 3m agoPosted 2 years, 3 months ago
I've been driving for nearly 20 years now and I have full no claims discount. I had money problems two years ago and had to sell my car. I'm now in a position to buy another car but my girlfriend thinks I might have lost all my no claims because I haven't driven for two years. The same happened to her and she is paying over a grand a year for a Citreon Saxo worth only £500. I hope she is wrong and I haven't lost all my years of no claims. I'm 39 and she is 46.
djh1975 Avatar
2y, 3m agoPosted 2 years, 3 months ago
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Best Answer
I had the same issue and was a named driver on my wife's car. When I got my own car my initial quotes were astronomical even though I was 36 and never had a claim or points. I think it was direct line who my wife was insured with and I tried them, the guy on the phone explained that because I was married and my wife would be a named driver on my car that meant that she had a financial interest in my car as it was a shared asset and as such he was able to apply my wife's full no claims to the car I was driving and if I stayed with them the following year I'd get 3 years no claims bonus on top of the year I'd just done which made four which I could take away to another company as they provided proof. It mage a huge difference. Some quotes were over 2000 and it came down to just over 200 pounds by doing it that way. If my explanation is a little sketchy please accept my apology as that's as accurate as I remember it as it was a few years back now. Good luck.

All Responses

(15) Jump to unreadPost an answer
Responses/page:
#1
It remains valid for two years.
#2
Some companies take ncd within the last 2 years directline takes it within 3 if you were with them. Phone your previous company up ?
#3
co-operative insurance accept a proof of no claims up to 3 years old, so try them
#4
If I go on my girlfriends insurance does that class as me driving again from a no claims point of view?
#5
No, you can use your no claims
#6
srp111
No, you can use your no claims
*can't

To be clear as a second driver you earn no 'no claims bonus' therefore you can't keep yours by being on another policy.
#7
I've just phoned LV who I was insured with and they have confirmed I finished with them in May 2011. I had 9 years no claims and they are going to a letter to confirm this. They have said there are some companies who will transfer the no claims after 3 or 4 years.
#8
I had the same issue and was a named driver on my wife's car. When I got my own car my initial quotes were astronomical even though I was 36 and never had a claim or points. I think it was direct line who my wife was insured with and I tried them, the guy on the phone explained that because I was married and my wife would be a named driver on my car that meant that she had a financial interest in my car as it was a shared asset and as such he was able to apply my wife's full no claims to the car I was driving and if I stayed with them the following year I'd get 3 years no claims bonus on top of the year I'd just done which made four which I could take away to another company as they provided proof. It mage a huge difference. Some quotes were over 2000 and it came down to just over 200 pounds by doing it that way. If my explanation is a little sketchy please accept my apology as that's as accurate as I remember it as it was a few years back now. Good luck.
#9
Thanks to everybody for your help. I will receive my paperwork from LV this week then it's a case of phoning all the insurers until I find one that can transfer within 4 years.
#10
djh1975
Thanks to everybody for your help. I will receive my paperwork from LV this week then it's a case of phoning all the insurers until I find one that can transfer within 4 years.
Good luck with that. I didn't find any unless the initial premium was astonishing. All the ones with reasonable premiums stated any ncd must have been in force within the previous two years
#11
dcx_badass
How is your girlfriend paying over a grand? I'm 25, got my first ever car in September a few weeks after passing my test, £760 on an old 1.8l focus with reduced excess to £150. Just used money supermarket.

It might be your location. Location is everything when it comes to insurance
#12
djh1975
I've just phoned LV who I was insured with and they have confirmed I finished with them in May 2011. I had 9 years no claims and they are going to a letter to confirm this. They have said there are some companies who will transfer the no claims after 3 or 4 years.

Find a company that will accept it.

Take out a policy.

Ask for a proof of no claims

Cancel policy.

NCB is now valid for 2 more years - I've done this, and it works.

Edited By: adam_holcombe on Dec 09, 2014 10:01
#13
adam_holcombe
djh1975
I've just phoned LV who I was insured with and they have confirmed I finished with them in May 2011. I had 9 years no claims and they are going to a letter to confirm this. They have said there are some companies who will transfer the no claims after 3 or 4 years.

Find a company that will accept it.

Take out a policy.

Ask for a proof of no claims

Cancel policy.

NCB is now valid for 2 more years - I've done this, and it works.
it may work to get cover but the insurance company would discover what you had done if you ever claimed thus you wont really be insured
#14
chocci
adam_holcombe
djh1975
I've just phoned LV who I was insured with and they have confirmed I finished with them in May 2011. I had 9 years no claims and they are going to a letter to confirm this. They have said there are some companies who will transfer the no claims after 3 or 4 years.

Find a company that will accept it.

Take out a policy.

Ask for a proof of no claims

Cancel policy.

NCB is now valid for 2 more years - I've done this, and it works.
it may work to get cover but the insurance company would discover what you had done if you ever claimed thus you wont really be insured

Disagree. All you are doing is 'refreshing' your proof of no claims.
#15
adam_holcombe
chocci
adam_holcombe
djh1975
I've just phoned LV who I was insured with and they have confirmed I finished with them in May 2011. I had 9 years no claims and they are going to a letter to confirm this. They have said there are some companies who will transfer the no claims after 3 or 4 years.

Find a company that will accept it.

Take out a policy.

Ask for a proof of no claims

Cancel policy.

NCB is now valid for 2 more years - I've done this, and it works.
it may work to get cover but the insurance company would discover what you had done if you ever claimed thus you wont really be insured

Disagree. All you are doing is 'refreshing' your proof of no claims.
terms of most insurer's policies specifically state that NCB is invalid if you havent been insured for two years. Disagree all you like; you are wrong and have been driving with invalid insurance. If you are so confident, ring your insurer and confirm it ;)

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