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    No claims bonus as named driver

    Hi.
    I am in the process of renewing my car insurance, getting quotes etc, and have been the named main driver on my mums policy for the past 4 years. I checked with my insurance company about fronting and they said as I was the main driver it was fine. Anyway, I want my own policy but are there any companies who will honour the 4 years I have been driving as a no claims bonus? Swinton who I'm with at the moment said they will but want an extortionate amount to insure me. Quotes from other companies have been reasonable but with 4 years no claims. Any advice would be appreciated. Hope that all made sense!
    Thanks

    18 Comments

    If you ask the insurance company that you have been with for a letter stating how many years no claims, you should be okay. so ask swinton to supply a letter of proof, they should do it. Then you can ask for 4yrs no claims on your new insurance, once you have done it, they will ask for letter of proof, which swintons should supply.

    Issue is getting current insurer to provide no claims bonus proof.

    My insurance company have me down with 5 years "safe driver" bonus for being named, which roughly works out at 5 years NCB I think

    Original Poster

    Thanks for the advice everyone. So Swinton should be able to provide proof for the 4 years? My mums policy that I've been driving on has 9+ years no claims and I've only been on for 4. Will that be an issue?

    The no claims discount earned by named drivers can be used against a Direct Line policy of their own in the future. However, it may not be recognised by other insurers.

    Thats Direct Lines policy so it would probably depend on the insurance company you are wanting to go with whether they accept the Named Driver NCD from the other company

    I had this samr problem a year ago. Came off mums insurance then got my own with same company so that i could carry the ncd. When i finished the year with them they sent renewal stating 1 years ncd! Turns out that being a named driver means b****r all unless your going to stay with the same insurer as your mum. They werent very clear with that bit when i took my policy with them!

    Take out policy as if you have 4 years NCB with the original company, cancel within 14 days - use paperwork as proof of NCB with another insurer?!

    Banned

    anewman

    Take out policy as if you have 4 years NCB with the original company, … Take out policy as if you have 4 years NCB with the original company, cancel within 14 days - use paperwork as proof of NCB with another insurer?!



    Wordings may be to the effect "4 years Admiral Named NCB", which may prove to be inaffective with other insurers.

    Not to forget the administration charge for cancellation within 14 days cooling period. Yes it exists unfortunately and can set you back up to £85

    Banned

    so was it your mums car you were driving and were you driving it more than her? That is the very definition of fronting.

    named main driver - does such a thing exist? The main driver is exactly that. Named drivers are occasional secondary users and dont usually accrue proper official NCB.

    Original Poster

    Yes, technically it's my mums car. I spoke to my insurance company who stated that fronting would be if I claimed to be merely a named driver as opposed to the main driver. It was made crystal clear to tge insurers that I was the main driver of the car so I really don't see the issue there.
    Plus, I made all the insurance payments by DD. I also pay the car finance, my mum has no involvement other than on paper. It was a technicality when I purchased my car on the scrappage scheme but I can assure you everything is legal. I'll try contacting Swinton for proof of my accrued no claims.

    Banned

    momartin

    Yes, technically it's my mums car. I spoke to my insurance company who … Yes, technically it's my mums car. I spoke to my insurance company who stated that fronting would be if I claimed to be merely a named driver as opposed to the main driver. It was made crystal clear to tge insurers that I was the main driver of the car so I really don't see the issue there.Plus, I made all the insurance payments by DD. I also pay the car finance, my mum has no involvement other than on paper. It was a technicality when I purchased my car on the scrappage scheme but I can assure you everything is legal. I'll try contacting Swinton for proof of my accrued no claims.


    then you are in fact the MAIN DRIVER, not a named main driver. Your mum would have been the named driver. Any renewal should come addressed to you and that should come with documentary evidence of 4 years NCD which you can use elsewhere.

    I would also get the car registered in your name with the DVLA if it is actually your car.
    Edited by: "csiman" 11th Nov 2011

    anyone got any info on this in relation to being the main driver on a company over 25 policy and hoping to use the ncb on this for a personal policy??

    Original Poster

    I don't think that's possible as I seem to remember that the company accrues the NCB and not the individual. I could be wrong, it has been known. Is the company policy in your name? If not, you may get the difficulties mentioned above by vincey777. When I was renewing one of the questions I was asked a lot was "is your NCB from a company vehicle". You never know though so ring an insurer for a quote and ask them what the score is.
    Edited by: "momartin" 10th Jan 2013

    boshed

    anyone got any info on this in relation to being the main driver on a … anyone got any info on this in relation to being the main driver on a company over 25 policy and hoping to use the ncb on this for a personal policy??



    Been there myself
    You just need to ask your company vehicle insurers for a letter stating that you haven;t claimed, and for how long.

    I never got any ncd when I came off my dads insurance. that was 15-20 years ago now tho.

    As others have said - it is an internal company offer. Non transferable. Like NCB protection.

    to be able to use the NCB you had to have sole use of the car and used it for social aswell as work, otherwise it cant be used

    So I got a letter with NCD that I built up on my mums policy with hasting direct and rang them to take out my own policy and they won't accept there own letter ...?? What do I do ...?? Can I use them els where or what .... ?
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