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  • FIRST POST
    • pierrored
    • By pierrored 3rd Jun 17, 12:54 AM
    • 25Posts
    • 1Thanks
    pierrored
    Transfer of No Claims Bonus to widow.
    • #1
    • 3rd Jun 17, 12:54 AM
    Transfer of No Claims Bonus to widow. 3rd Jun 17 at 12:54 AM
    My friend's husband died 3 months ago leaving her an 83 year old widow.
    Her husband was the main driver and she was a named driver.

    She informed the Insurance Company of the death and was apparently told that the 9 years NCB her husband had accrued could/would be transferred to her.She asked if they send a verification letter to her.

    A Proof of 9 years NCB letter came from the Insurance yesterday in her deceased husbands name.

    She rang them to see if they would send one in her name but they wouldn't.

    My friend is adamant they said the 9 years NCB could/would be transferred to her.

    I have never heard of this kind of transfer and would be grateful if anyone could shed any light on it.

    She would like to keep driving but without the 9 years NCB the price is eye watering.
Page 1
    • Quentin
    • By Quentin 3rd Jun 17, 9:30 AM
    • 32,726 Posts
    • 16,745 Thanks
    Quentin
    • #2
    • 3rd Jun 17, 9:30 AM
    • #2
    • 3rd Jun 17, 9:30 AM

    My friend is adamant they said the 9 years NCB could/would be transferred to her.

    I have never heard of this kind of transfer and would be grateful if anyone could shed any light on it.

    She would like to keep driving but without the 9 years NCB the price is eye watering.
    Originally posted by pierrored
    Most insurers do change over ncd to the remaining spouse

    Get her to try and speak to a manager about this, and if that fails try a complaint over the conflict between her original phone call and the subsequent incorrect confirmation letter
    • paddyandstumpy
    • By paddyandstumpy 3rd Jun 17, 10:04 AM
    • 784 Posts
    • 322 Thanks
    paddyandstumpy
    • #3
    • 3rd Jun 17, 10:04 AM
    • #3
    • 3rd Jun 17, 10:04 AM
    Perhaps they are willling to recognise the bonus if a new policy is taken out via them, but not willing to issue proof of NCB in her name.

    Whilst that seems immoral, there's no rules either way on this. Who is the broker/insurer?

    Regardless, they should send a proof of claims free driving on request.

    Then, take that claim free letter to any decent broker (not Swinton) and they will have agreements (or very quickly gain agreement) with insurers to recognise this bonus.

    I hope it all works out.
    • pierrored
    • By pierrored 9th Jun 17, 7:32 PM
    • 25 Posts
    • 1 Thanks
    pierrored
    • #4
    • 9th Jun 17, 7:32 PM
    • #4
    • 9th Jun 17, 7:32 PM
    Thanks for the helpful information.

    Everything now sorted.
    Insurance company will transfer the 9 years No Claims Bonus the husband had earned to his widow, who was the named driver.

    They will only do this if she takes out new insurance wit them.

    They will not send out written proof of 9 years NCB which could be used
    for insurance with another insurance company.

    Insurance with 9 years NCB with them is £736.
    Insurance with 9 years NCB on a comparison website £410.
    Insurance with 0 years NCB on a comparison website £1290.

    She has paid the £736.
    • marlot
    • By marlot 10th Jun 17, 8:05 AM
    • 3,040 Posts
    • 2,173 Thanks
    marlot
    • #5
    • 10th Jun 17, 8:05 AM
    • #5
    • 10th Jun 17, 8:05 AM
    That sounds reasonable; she can then move next year.
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