Do any insurers accept named driver NCD from other insurers?

sturgeon

I've been a named driver on policies for a few years and have not claimed. I now want a policy in my own name.

Which insurers will accept my no claims discount despite earning it as a named driver? I know some allow you to use it if you take a policy in your own name but this isn't what I want to do.

Many thanks.

huckster

None as far as I am aware. Only through the same Insurers as the Policyholder, you were a named driver under.

Quentin

If you really have got a ncd then all you need do is send in the proof.

From your post it seems you don't have any NCD, but some years claim free driving as a named driver.

But you then say you don't want to make use of your claim free experience from driving on other people's policies????

huckster

This may help the OP. This is your post from the other day.

https://forums.moneysavingexpert.com/discussion/2720657

sturgeon

Thanks. I do want to make use of my claim free experience but not with the same provider. My quote last year was £600, the renewal was £1,400 which was inexplicable....and that was to continue with the same circumstances where I'm a named driver. Taking out a policy in my name costs about £1,700, more expensive than many providers where I'm claiming 0 years NCD!

So basically no providers accept other insurers NCD unless you go with the insurer you were named under. Which has proved to be a scam in my case as they've almost tripled the price year on year.

Quentin

No, virtually all insurers accept NCD earned elsewhere.

But you have no NCD to "claim" as you apparently haven't held a policy yourself.

All you have is some claim free experience.

bouncydog1

The only other way that you could have NCD is if the policyholder agreed to transfer it to you. But it will depend on the circumstances - if you have two cars both insured in your spouses name and you have been an additional driver for some years, then insurers may agree to recognise the bonus transferred to you from one of the policies.

However if you have been a named driver on a parent's policy then it is a different scenario - is this why you are being charged such a high rate by the existing insurer or are there other relevant facts you may not have mentioned?

However as you have not held a policy in your own name, you do not have any no claims bonus as this accrues to the policholder, not the driver.

lisyloo

I don't know where you live or whether you are able-bodied but if you drive less that 900 miles a year then I'd start considering alternatives.

If you can get by on cheaper alternatives some of the time (bus/train/bicycle/walking) then it can justify taxis and hire cars for the times when you cannot use cheaper alternatives.
Whether it's viable depends on how close you are to public transport and what type of journeys you make and indeed whether you are able-bodied.

But for £1700, you could get about 50 days of car hire and that's without looking at any of the other costs of motoring.

sturgeon

Good news-after phoning the insurer with the lowest quote (Elephant) simply as it said you HAD to phone to get the monthly payment options, after speaking to them a supervisor agreed that my 2 years named driver no claim discount would be accepted! That's the first insurer I've heard to do this, which is great. The quote's still almost £900, mind, but a whole lot better than the £1500 I was being quoted elsewhere.

Quentin

That is good (but unusual) - how did they want it proving (or are they giving an introductory discount rather than a NCD - and will you have 3 years at the end of your first year with them - assuming no claims during the year)?

sturgeon

Quentin wrote: »

That is good (but unusual) - how did they want it proving (or are they giving an introductory discount rather than a NCD - and will you have 3 years at the end of your first year with them - assuming no claims during the year)?

They wanted the policy number and a contact number for my previous insurer to verify I did indeed have 2 years no claims as the named driver. Also I asked and yes I will have 3 years at the end of my first year, assuming no claims! I was so chuffed with it I paid the full amount there and then....massively cheaper than elsewhere. The only problem was their fees to pay monthly are extortionate, almost £400 on top of the premium!