does anyone work for direct line ?

critterfritter

hi all

i have 2 motors insured with direct line. one has a hefty no claims discount bonus on it where the other one apparently cannot have this applied and is alot more expensive as a consequence.

my question is if i call them up and tell them i am considering leaving unless they can drop the other one down, is there any discretion with the advisor to do this if I tell them another competitor is cheaper ?

I read a thread on here before about someones success and they seem to think the advoisr applied the bonus to both cars

Thanks

property.advert

You would have to be able to prove that both vehicles could not be used at the same time and yet there would still be the theft risk.

Where I lived, the insurance was on the vehicle, not the person. In the UK it is on the person and yet here they seem to be making the argument that the person is a greater risk driving one vehicle over another.

If they will not budge, have the largest discount on the most expensive car.

critterfritter

hi

thanks for the quick reply - ideally i want to know if the advisor can actually do it as a discretion if someone says they are leaving...

KeithP

Pretty sure you cannot do it*.

Think about it for a moment...

You have an accident in car A and are to blame... lose (some or all of) NCD.

Never mind, abandon policy on car A and keep NCD on car B.

Buy a replacement for written off car A... call it car C.

Show new insurers of car C proof of NCD issued by insurers of car B.

Now two cars again have full NCD.


*someone will be along in a minute to refine my reasoning.

property.advert

KeithP wrote: »

Pretty sure you cannot do it*.

Think about it for a moment...

You have an accident in car A and are to blame... lose (some or all of) NCD.

Never mind, abandon policy on car A and keep NCD on car B.

Buy a replacement for written off car A... call it car C.

Show new insurers of car C proof of NCD issued by insurers of car B.

Now two cars again have full NCD.


*someone will be along in a minute to refine my reasoning.

You would have to inform your insurers of any accidents and they would rightly adjust your premium, though perhaps only at renewal. However, if they want to take advantage of that and look at your overall driving performance, then it would only seem equitable for them to also take your overall NCD into consideration when assessing the premium ofr the second vehicle.

If they do not, it seems as though they want to have their cake and eat it.