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Aviva Rapid Bonus Car Insurance for Young Drivers

£0.00 @ Aviva (Norwich Union Insurance)
well like every other young driver you may already know car insurance prices for us are simply ridiculous so I spent an whole day hunting around for the best insurance deal online couldnt find anythin…
sarbjeet_ Avatar
7y, 7m agoFound 7 years, 7 months ago
well like every other young driver you may already know car insurance prices for us are simply ridiculous so I spent an whole day hunting around for the best insurance deal online couldnt find anything unless I had my dad as a first driver and me as second which most people do but you dont make any no claims this way ,so then I came across this new scheme which allows you to be the first driver and earn a no claims bonus and the great thing is you can do this in 9 months as the policy is only 9 months long so basically in 3 and half years you will have 5 years worth of no claims bonus and the price difference is a lot, for me is was about 50% cheaper so give them a call and ask for an Rapid Bonus Scheme quote, the number to call is: 0800 092 9564.
lets us know how you get on.
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#1
As an aside, though relevant as the OP has touched upon the subject:
Just to avoid any heartaches; if the car belongs to you then you must be the primary insured individual. i.e if you cannot obtain insurance for your car and have your parent as the primary insured.

+Heat
banned#2
DON'T be tempted to insure a parent as primary driver and you as secondary - if your insurer finds out, he can and often will invalidate your policy. Not only does this mean they won't pay out for any damage to your car in an accident (they'll pay for the other side though) but you and your dad will pay for years when the broker asks you "have you ever had insurance refused or cancelled" - as soon as you say yes, they treble your premium.
That said, insurers ARE thieving gits for first year drivers, especially males. Just find the lowest group car you can and dont modify it AT ALL (I've seen something as mundane as a rear spoiler add seven hundred pounds to the premium!). Sorry, don't mean to be a killjoy, but trust me you don't want an insurer to give you a bad name that'll live with you for years and years.
#3
Just to clarify, you are OK to insure the car in a parents name, there is nothing wrong with that.

What you MUST do however is declare yourself as the MAIN DRIVER
#4
Bonus scheme insurance is pointless, they ramp the premium up on your 9 month renewal, and you dont really have a full years no claims, so it is not transferable to another insurance company, so after 3.5 years you have 5 years no claims that is only valid with aviva, brilliant! or 3 years to anyone else... if your lucky
#5
marktuck
Just to clarify, you are OK to insure the car in a parents name, there is nothing wrong with that.

What you MUST do however is declare yourself as the MAIN DRIVER


If a vehicle is insured on a parents policy then they are the "main" driver and you are a named driver. You cannot insure a vehicle in your parents name and declare the main driver as somebody else.
suspended#6
BargainMad
If a vehicle is insured on a parents policy then they are the "main" driver and you are a named driver. You cannot insure a vehicle in your parents name and declare the main driver as somebody else.


Some insurers actually allow you to do this so don't make such assumptions based on one or two companies.
#7
Diamond do the same thing it's call a bonus accelerator policy which means after 10 mths, they give you a years full no claims bonus ( I say diamond as I assume you are a female, if not Admiral also do the same thing ). I would prefer to use these over AVIVA as there customer service is by far the best I've ever seen from an insurance compnay.
#8
I suspect this is seen through when information is cross-checked.

If you have "5-years" no claims, but have only had a licence for 3 the alarms will go off, so they will consider the 3 not the "5"
#9
Kiltox
Some insurers actually allow you to do this so don't make such assumptions based on one or two companies.


No assumptions made at all, friend. The policy holder is the main driver in every case and all others are named drivers. One option is for young drivers to obtain their own insurance and add a parent as a named driver (though this doesn't always lead to a reduced premium as insurance companies are beginning to "wise-up" to he practice).
The bottom line is that it's a minefield at times and the important aspect is to ensure adequate and appropriate cover. :thumbsup:
suspended#10
BargainMad
No assumptions made at all, friend. The policy holder is the main driver in every case and all others are named drivers. One option is for young drivers to obtain their own insurance and add a parent as a named driver (though this doesn't always lead to a reduced premium as insurance companies are beginning to "wise-up" to he practice).
The bottom line is that it's a minefield at times and the important aspect is to ensure adequate and appropriate cover. :thumbsup:


I can assure you that there are companies out there that ask "Are you the main driver of the vehicle?" when you enter the policyholder's details.

It doesn't always result in a cheaper quote though.
#11
Insurance companies are legalized mafia! Same as MPs with second "ghost" mortgages.
They can rip-off anybody they like and there is nothing we can do about it. Baaaa! Baaaa!
#12
BargainMad;6028360
No assumptions made at all, friend. The policy holder is the main driver in every case and all others are named drivers. One option is for young drivers to obtain their own insurance and add a parent as a named driver (though this doesn't always lead to a reduced premium as insurance companies are beginning to "wise-up" to he practice).
The bottom line is that it's a minefield at times and the important aspect is to ensure adequate and appropriate cover. :thumbsup:

Sorry but totally incorrect, the policyholder and the main driver are two completely different things. As a broker, I deal with over 100 different insurance companies and without fail, they all ask the two questions completely independently.:geek:
#13
tompringle
Bonus scheme insurance is pointless, they ramp the premium up on your 9 month renewal, and you dont really have a full years no claims, so it is not transferable to another insurance company, so after 3.5 years you have 5 years no claims that is only valid with aviva, brilliant! or 3 years to anyone else... if your lucky


Totally disagree, my daughter had one of these bonus schemes with Elephant, 10 months for a Year's worth of bonus. After the first 10 months (year) on renewal they were the cheapest, the following year they were not so we went with the cheapest who accepted her 20 months NCD as Two Years NCD, because Elephant provided her with a NCD Certificate that stated that it was worth TWO years of discount.
#14
tpol
Totally disagree, my daughter had one of these bonus schemes with Elephant, 10 months for a Year's worth of bonus. After the first 10 months (year) on renewal they were the cheapest, the following year they were not so we went with the cheapest who accepted her 20 months NCD as Two Years NCD, because Elephant provided her with a NCD Certificate that stated that it was worth TWO years of discount.


You have to be careful, if your daughter has an accident and they look into her driving history, they may suggest that she misrepresented her NCB. An insurer can't really issue 2 years NCB, they just provide a statement, it is up to the policy holder to ensure they actually have it.
#15
BargainMad
No assumptions made at all, friend. The policy holder is the main driver in every case and all others are named drivers. One option is for young drivers to obtain their own insurance and add a parent as a named driver (though this doesn't always lead to a reduced premium as insurance companies are beginning to "wise-up" to he practice).
The bottom line is that it's a minefield at times and the important aspect is to ensure adequate and appropriate cover. :thumbsup:


Totally wrong, a policy holder is totally different from the main driver and they can be different. Furthermore, the car does not have to be registered to the policyholder and they do not have to have legal ownership, merely that they must have permission to use the car and the car cannot be insured twice.

Also, you are wrong about the parents being named drivers. Insurarance companies advise adding parents as named drivers, even if they are going to be using the car rarely. I am a named driver on my daughter's car (on the advice of the insurers) and her premium is half what it would be without me being on it.
#16
Remember that any quotes on these schemes will obviously look cheaper on the surface as they are for a shorter length of time.

I know it seems obvious, but the OP says quite excitedly that it was 50% cheaper, but you'd expect it to be at least 25% cheaper, as it's only covering you for 75% of the length of time of a normal policy.
#17
pghstochaj
You have to be careful, if your daughter has an accident and they look into her driving history, they may suggest that she misrepresented her NCB. An insurer can't really issue 2 years NCB, they just provide a statement, it is up to the policy holder to ensure they actually have it.


The issue was clarified fully with the new insurers prior to taking out the policy. They stated they understand these accelerator p olicies and rather than lose market share, they honour these as genuine 2 years NCD. In any case the questions are (1) Have you had an accident in the last 3/4/5 years?; (2) Have you had a motoring convictions in the last 3/4/5 years? ; (3) How many years NCD do you have?. If you answer each of these questions honestly then you haven't misrepresented yourself to the insurers in any case.
#18
adambaz
Remember that any quotes on these schemes will obviously look cheaper on the surface as they are for a shorter length of time.

I know it seems obvious, but the OP says quite excitedly that it was 50% cheaper, but you'd expect it to be at least 25% cheaper, as it's only covering you for 75% of the length of time of a normal policy.


Agreed, these work out slighlty more expensive pro-rata but do build the bonuses and is a good scheme to same money in the medium term.
#19
tpol
The issue was clarified fully with the new insurers prior to taking out the policy. They stated they understand these accelerator p olicies and rather than lose market share, they honour these as genuine 2 years NCD. In any case the questions are (1) Have you had an accident in the last 3/4/5 years?; (2) Have you had a motoring convictions in the last 3/4/5 years? ; (3) How many years NCD do you have?. If you answer each of these questions honestly then you haven't misrepresented yourself to the insurers in any case.


If you have checked it with them specifically then that is different, and I hope you have it in writing.

Unfortunately answering you have had 3 years without claims if you have only had 27 months does not answer the question of:
"How many years No Claim Discount do you have for this car? * " - example from Aviva.

No Claims Discount (NCD) is a bonus awarded for each year that you hold a car insurance policy in your own name without making a claim. Your most recent insurance renewal notice will indicate how many years you have earned:

Aviva may ask you to provide proof of your NCD at any time during your period of insurance. This could take the form of a renewal notice from your previous insurance company, or a letter on headed paper from that company.
Aviva offers up to 70% discount if you have 5 or more years NCD*
This bonus can only be used on one car or policy at any one time, so if you have bought a second vehicle, please call us on 0800 092 9561 and we may be able to offer an introductory discount based on your driving history.
We will continue to accept NCD provided your previous policy expired within the past 3 years. For NCD that has been earned abroad, please call us on 0800 092 9561 and we will consider allowing the discount.
If you have been driving a company car we may be able to offer you an introductory discount based on your circumstances. Please call us on 0800 092 9561 to complete your quote.
If you have not held a car insurance policy in your own name before we may offer you an introductory discount based on your driving history. Extra discounts are available if you have a Pass Plus certificate - call us on 0800 092 9561 to complete your quote.*
*No Claims Discount applies to the risk element of the premium only and not to any optional covers, or to the first £42 which covers administration costs.


The important bits are in bold in that the renewal only indicates (and it is up to you to know what your NCB actually means) and that it is provided for each year in your own name without making a claim.

Clearly this is the case otherwise insurance company X could provide you with cover for just 1 day (say for £200) and provide you with five year's NCB to take elsewhere, including giving you a renewal notice stating as such, although their "normal" insurance could be thousands. It would be a very popular service but it is not a genuine NCB. It is well established in the industry what a year's NCB actually is, it is just a marketing exercise to suggest it is anything less. The same goes with named driver NCB.
#20
tompringle
Bonus scheme insurance is pointless, they ramp the premium up on your 9 month renewal, and you dont really have a full years no claims, so it is not transferable to another insurance company, so after 3.5 years you have 5 years no claims that is only valid with aviva, brilliant! or 3 years to anyone else... if your lucky


where does it say that?
#21
adambaz
Remember that any quotes on these schemes will obviously look cheaper on the surface as they are for a shorter length of time.

I know it seems obvious, but the OP says quite excitedly that it was 50% cheaper, but you'd expect it to be at least 25% cheaper, as it's only covering you for 75% of the length of time of a normal policy.


yes thats true but I dont mind as I was being quoted £3500 everywhere else and aviva quoted me £1630 comprenhensive and a full breakdown cover with me as the first driver and my dad as the second so its a big difference for me thats why I thought it was a good deal didnt no so many people thought it was rubbish.:oops:
#22
car insurance compaines are scammers. I HATE THEM SO MUCH ARGHHHH

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