Directline Named Driver NCB Help!!!

stutwentyfour

I have been on my fathers policy since I passed my test back in 99' and thought that I had built up some NCB being a named driver. I have just purchased a car and wanted to use my NCB to insure it in my own name. On contacting Directline, I was told that I no longer have any NCB because I was removed from my father's policy for around 6 months. During this period I wasn't insured and wasn't driving a vehicle.

Myself and my father are really annoyed and unsure as to whether to this makes sense. When my father was told about named driver NCB it was never mentioned that the person has to be insured continuously to keep any NCB earned. Has anyone else come across this and can anyone give us any advice on trying to get the NCB back. Looking at other insurers for a policy is proving to be very expensive in comparison as to what it should have been with Directline.

John_Pierpoint

It is somewhat late to answer this, presumably you now have your own expensive insurance.
BUT someone else might be in the same situation.

Years and years and years ago I used to be a "Transport Manager" and some of my van/lorry drivers would prosper to the stage of being able to afford their own transport. If it was true, I would write them a nice letter on headed paper saying they had worked for the company for x accident free years and driven Y accident free miles. Armed with this, they would negotiate a better rate with their new insurance provider. You should try the same thing using copies of Dad's paper work for the last 6 or 7 years; assuming he has kept it and you have done a fair few miles and NOT smashed up dad's car.

Keep searching, I can remember the trouble I had when I was about 20 and fell asleep at the wheel and bounced dad's car off a lamp post! My widowed mother inherited dad's insurance policy and for the next 30 years it read "This vehicle cannot be driven by J.Pierpoint" (computers never forget). Come to think of it that was my last but one CLAIM, it pays to keep a clean record and drive like a pensioner, which is what I now am !

Good luck and remember it is CLAIMS that count against you, be alert and ready to fight your corner, if some idiot or crook drives into you. Take a photo and send off the recorded delivery letter holding them responsible pronto.

carrience1

the named driver ncd is for when you have been named on the pol claim free continuously, so when you were but back on after the 6 months, thats when your ncd would start building up again.
dont think you would have a chance of claiming it back as it is just a benefit that they offer.