Do you lose Your NCD if you've had a company car

21
Posted 28th Oct
Just wondering how to go about doing a quote for my dad he's had company car for 3 years and a van before for 4 years,in which work have sorted out the car insurance He's had 1 claim which wasn't his fault in that time.

Does he have to start over with 0 No claims bonus?

Prior to the company cars/vans he had 10 years+ of no claims bonus
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After 2 years you lose it even if you had company car in interim. Company insurance doesn’t count as personal insurance. To retain NCD you need to maintain some form of personal insurance within the 2 year period
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I had a lease car via a company and the insurance was in their name and I earned 3 years NCD via them. They put it in writing for me and I was able to pass on the.letter to my new insurers when I bought my own private car
Edited by: "Gollywood" 28th Oct
You need to get it in writing that he's not had an accident in those 3 years for them to honour it.
After 2 years you lose it even if you had company car in interim. Company insurance doesn’t count as personal insurance. To retain NCD you need to maintain some form of personal insurance within the 2 year period
There’s a few insurers that will offer introductory No Claims Bonus, however there are always specific criteria. In this example they would normally only offer it providing he wasn’t on a fleet policy. That if it was a company van, then he was the only driver and it was the size of a transit van or smaller. Providing he meets the criteria he will need a letter from the company car insurance, with the dates on cover confirming the above and that he has had no claims within that time.

Introductory No Claims Bonus is only applicable with the insurer you take the cover out with, so it’s non transferable.

Like above has said the standard time for NCB to expire is 2 years without an active policy.
Thanks so It looks like he's going to start on zero
bettz128/10/2019 22:26

Thanks so It looks like he's going to start on zero



bettz128/10/2019 22:26

Thanks so It looks like he's going to start on zero


Unfortunately yes, there may be some specialist companies that accept prior company car experience but most mainstream companies won’t. May be worth speaking to a broker
bettz128/10/2019 22:26

Thanks so It looks like he's going to start on zero


Not necessarily, get quotes from a price comparison site and include the number of years and ring a few of them, some do give you the full amount some will say give you 3, it’s an added discount but when you get your NCB next year they give you that plus the year you have. Might take a few calls but worth it for a bit of saving.

comparethemarket.com/car…ce/
No fixed rule. Some insurers will accept letters from employers stating driving (non)claims history and offer equivalent or reduced NCD for the period stated in the letter; some may simply offer a gesture of goodwill flat reduction that may or may not count towards future NCD; other co's simply flatly decline non-proposer history.
As a CC driver for 6 years I was advised at the start to keep insured on a vehicle so my partner an I alternate as primary driver on her car ever year. When I came out of the scheme the fleet team did give me a NCD letter but I didn’t need it.

Interestingly insurance companies wanted to know any fault/non fault accidents during my CC stint but wouldnt necessarily take the NCB period....
indywooda29/10/2019 05:47

As a CC driver for 6 years I was advised at the start to keep insured on a …As a CC driver for 6 years I was advised at the start to keep insured on a vehicle so my partner an I alternate as primary driver on her car ever year. When I came out of the scheme the fleet team did give me a NCD letter but I didn’t need it. Interestingly insurance companies wanted to know any fault/non fault accidents during my CC stint but wouldnt necessarily take the NCB period....



yeah it is interesting how many refuse to accept the clean driving period for discount but will sure hold any accidents against you bloody thieves a lot of them.

Last time i checked direct line would accept some forms of proof ie a letter from CC insurers to allow transfer to NCD
maddogb29/10/2019 10:17

yeah it is interesting how many refuse to accept the clean driving period …yeah it is interesting how many refuse to accept the clean driving period for discount but will sure hold any accidents against you bloody thieves a lot of them....


NCD is a voluntary discount offered to the policyholder not the driver, hence a CC driver (or named driver) does not normally accrue a personal NCD. This seems reasonable. Driving history is applicable to the driver. This seems reasonable.
AndyRoyd29/10/2019 14:10

NCD is a voluntary discount offered to the policyholder not the driver, …NCD is a voluntary discount offered to the policyholder not the driver, hence a CC driver (or named driver) does not normally accrue a personal NCD. This seems reasonable. Driving history is applicable to the driver. This seems reasonable.



they all "seem" reasonable, that's how they get away with such immoral behaviour.
maddogb29/10/2019 14:41

they all "seem" reasonable, that's how they get away with such immoral …they all "seem" reasonable, that's how they get away with such immoral behaviour.


The policyholder is the entity that accrues the NCD, not the driver. It's genuinely not a difficult concept.
AndyRoyd29/10/2019 14:52

The policyholder is the entity that accrues the NCD, not the driver. It's …The policyholder is the entity that accrues the NCD, not the driver. It's genuinely not a difficult concept.



actually it is more complex and again another example of how immoral the industry is, another very simple concept...
Edited by: "maddogb" 29th Oct
maddogb29/10/2019 14:56

actually it is more complex and again another example of how immoral the …actually it is more complex and again another example of how immoral the industry is, another very simple concept...


The entity that accrues NCD is not complex. Your opinion about the industry is clear and respected but does not alter the simple concept of the entity that accrues the NCD.
AndyRoyd29/10/2019 14:59

The entity that accrues NCD is not complex. Your opinion about the …The entity that accrues NCD is not complex. Your opinion about the industry is clear and respected but does not alter the simple concept of the entity that accrues the NCD.



it is because once it is established that an entity then accrues the NCD there are further complications like how many vehicles and or policies this can be applied against, digging deeper in any policy you will likely come across many other terms and conditions relating to NCD and the sheer variation on how this is applied, being none standard across many companies.
I personally think this refutes your "simple" statement.
maddogb29/10/2019 15:06

it is because once it is established that an entity then accrues the NCD …it is because once it is established that an entity then accrues the NCD there are further complications like how many vehicles and or policies this can be applied against, digging deeper in any policy you will likely come across many other terms and conditions relating to NCD and the sheer variation on how this is applied, being none standard across many companies. I personally think this refutes your "simple" statement.


None of the subsequent applications affect the simplicity of why a CC or named driver does not accrue NCD.
AndyRoyd29/10/2019 15:14

None of the subsequent applications affect the simplicity of why a CC or …None of the subsequent applications affect the simplicity of why a CC or named driver does not accrue NCD.



In your opinion it doesn't but that opinion is starting to sound slightly entrenched with no apparent reasoning.
Maybe you are just some "lone ranger" seeking justice for those in the insurance industry who stand accused of being penny pinching scumbags?
who knows... but i do know one thing you can't claim something is simple and add on exclusions to be arranged,
perhaps you could provide a single sentance statement covering every single insurer guaranteed to be applied regarding NCD and when you do not accrue it?
maddogb29/10/2019 15:32

In your opinion it doesn't but that opinion is starting to sound slightly …In your opinion it doesn't but that opinion is starting to sound slightly entrenched with no apparent reasoning.Maybe you are just some "lone ranger" seeking justice for those in the insurance industry who stand accused of being penny pinching scumbags? who knows... but i do know one thing you can't claim something is simple and add on exclusions to be arranged, perhaps you could provide a single sentance statement covering every single insurer guaranteed to be applied regarding NCD and when you do not accrue it?


There is no mandatory requirement for an ins co to offer nor accept NCD, but the simplicity of it's accrual is undisputable.
you really have no idea of how you are contradicting yourself do you
Managed to get the company to provide a letter with 7 years no claims on the company car and the insurance accepted it
Thanks for all the comments
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