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Simple Query about No Claims Bonus

sho_me_da_money
sho_me_da_money Posts: 1,679 Forumite
Part of the Furniture 1,000 Posts Combo Breaker
in Motoring
I am the named policy holder and my wife is the named driver.

I have just recently had an accident and claimed off the insurance.

Would Wifeys NCB be affected or stay intact? Im just trying to work out if it'd be easier to make her the policy holder when renewing?

Thanks

Comments

  • iamana1ias
    iamana1ias Posts: 3,777 Forumite
    sho_me_da_money wrote: »
    I am the named policy holder and my wife is the named driver.

    I have just recently had an accident and claimed off the insurance.

    Would Wifeys NCB be affected or stay intact? Im just trying to work out if it'd be easier to make her the policy holder when renewing?

    Thanks

    Unless with Directline (or a few others), your wife doesn't have any NCB. Only the policy holder earns NCB.

    (By the way, there's an actual insurance forum that would be better for questions like this.)
    I was born too late, into a world that doesn't care
    Oh I wish I was a punk rocker with flowers in my hair
  • cyclonebri1
    cyclonebri1 Posts: 12,827 Forumite
    The answer you're looking for is no, allowing for the previous post. Considered protected NCB? I take it you don't have a 2nd car in your wifes name? If you do then I think it would effect her premium but not her no claims. ;)
    I like the thanks button, but ,please, an I agree button.

    Will the grammar and spelling police respect I do make grammatical errors, and have carp spelling, no need to remind me.;)

    Always expect the unexpected:eek:and then you won't be dissapointed
  • iamana1ias
    iamana1ias Posts: 3,777 Forumite
    cyclonebri1 wrote: »
    The answer you're looking for is no, allowing for the previous post. Considered protected NCB? I take it you don't have a 2nd car in your wifes name? If you do then I think it would effect her premium but not her no claims. ;)

    He doesn't have any ncb ;)
    I was born too late, into a world that doesn't care
    Oh I wish I was a punk rocker with flowers in my hair
  • cyclonebri1
    cyclonebri1 Posts: 12,827 Forumite
    edited 23 March 2010 at 9:52AM
    iamana1ias wrote: »
    He doesn't have any ncb ;)


    How do you know, if he has several years it will not all be lost;)

    It was a subtle bit of advice that if he had PNCB he would still have whatever NCB he had intact, of course that option is now not available. ;);)
    I like the thanks button, but ,please, an I agree button.

    Will the grammar and spelling police respect I do make grammatical errors, and have carp spelling, no need to remind me.;)

    Always expect the unexpected:eek:and then you won't be dissapointed
  • lisyloo
    lisyloo Posts: 29,913 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    edited 23 March 2010 at 10:18AM
    Would Wifeys NCB be affected or stay intact?
    Does your wife have seperate NCB of her own?
    I think some of the posters on here are making assumptions (EDIT - on perhaps they have info from other posts)

    I am a named driver on my husbands policy but I have my own NCB in my own right from my own car.

    We need to know this info before you can be given correct answers.

    So what NCB does she have?
    1) None
    2) Named driver NCB (from Direct line or similar)
    3) Her own from seperate policy

    If it's 3) then her NCB is unaffected.

    The asnwers given so far MAY not be correct because we do not have enough information (unless other people know stuff I don't from previous posts).
  • iamana1ias
    iamana1ias Posts: 3,777 Forumite
    cyclonebri1 wrote: »
    How do you know, if he has several years it will not all be lost;)

    . ;);)

    From his other posts (in particular the one about his recent accident!)
    I was born too late, into a world that doesn't care
    Oh I wish I was a punk rocker with flowers in my hair
  • cyclonebri1
    cyclonebri1 Posts: 12,827 Forumite
    iamana1ias wrote: »
    From his other posts (in particular the one about his recent accident!)


    Fair enough Sherlock, ;), I wasn't aware. :rotfl:
    I like the thanks button, but ,please, an I agree button.

    Will the grammar and spelling police respect I do make grammatical errors, and have carp spelling, no need to remind me.;)

    Always expect the unexpected:eek:and then you won't be dissapointed
This discussion has been closed.
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