Divorce and no claims trap. Be afraid!

Cleverd_2

A good friend is getting divorced. She had the full no claims insurance in her own right when she married at 30. Her husband took out a policy on their sole car and holds the full no claims, she being a named driver on his policy for 24 years. He has given her the car and gone off on his motorbike. The renewal with LV insurance is £187 per year in his name, but £950 in her name as she is considered not to have any no claims discount. If he had died, then the no claims discount would automatically be transferred to her benefit. This is iniquitous and in the era of equality isn't this slightly dubious or illegal? Many many people fall into this trap I guess.

vaio

sensible thing to do would be get letter detailing her driving/claim record and then hawk that around the insurance companies until you find one who will give an equivalent number of years NCB.

Wouldn't have thought it would be that hard to find one that would do it

dacouch

If you speak to a local broker, they should be able to get an Insurer to transfer the car no claims bonus to you, if your ex confirms he agrees to transfer it.

In theory he would then have no claims bonus, in reality he could use it again in the future

lisyloo

This is iniquitous and in the era of equality isn't this slightly dubious or illegal?

Not really. I don't think it's a gender issue.

The issue is that there is only ONE lot of no claims and she has not kept hers running.

What she should have done is alternated the insurance each year.
That way they would two lots of NCD. One each.

But it's not a gender issue. If the woman had the policy then the husband wouldn't get the NCD, but there would still only be one lot (unless you alternate).