NCD - advice needed

bride2be2012

Hi, hope someone out there can help me!

In September 2009 I bought a car (Ford Ka) with my parents - I was living at home and it was used equally between us. The car is registered in my name, and I am the insurance policy holder - we did this so I could build up my NCD - currently both my parents and one of my sisters are named drivers. I was down as the main driver as I used the car for work some days, my parents mainly used it at the weekends.

Fastforward til now - I've moved out of my parents home and live with my fiance. I've no need to drive the Ka now, as my fiance gave me his old Clio last week when he bought a new car.

My parents are using the Ka to teach my younger sister to drive in, once she has passed her test, she will become the main user.

I've tried to insure my new car, but have found that I can't use my NCD on both cars. I called my current insurance company, who advised the best thing to do would be cancel my current policy (which has 6 months to run) and for either my mum or dad to take out a new policy in their name. I can then use my NCD with my new insurers.

However, getting proof of either of my parents NCD is proving a bit difficult. They currently have a Mobility car for my youngest sister - this they have had for four years, so all the 30 odd years of NCD my dad had built up has gone. The mobiliity car insurance policy is in my mums name, so she has four years with them, but again leaves us in the situation where NCD cannot be used on two cars. And now the quotes my mum is getting for insuring the Ka are crazy prices - £800, about double what we paid last year.


Are there any other ways around this? I really don't want to remain the policy holder on the Ka, when I don't use the car anymore - I've already told the insurance company I'm no longer the main driver.

ryan86uk

If doesn't matter how long you have left on your policy. Just ring them up and give them your new car details the policy will still expire in six months time. You will still (assuming there is no claim) keep your ncd. You will either get charged slightly more for changing the car details or charged less.

Once you have done this transfer your old cars V5 to your father or mothers name and get them to take out a policy in their own name with your sister as a named driver. Everyone is happy.

Hope that helps.

lisyloo

get them to take out a policy in their own name

But they can't use their NCD as it's already used on the motability car !!

I suggest they look at one of the companies that allows you to "mirror" NCD onto a second car, but there may be some fees for cancelling the existing policy.
Some firms do discount for having two cars insured with them.
I presume you have already asked the existing insurers (of the motobility car) if they can do a discount for a second car?

birkee

I'm sorry, but insurance has been juggled around for maximum advantage for your family (can't say I blame you though.) but now you've fallen over the disadvantages.
Must say that trying to cover so much with one policy is pushing it though. Do you want the Motobility insurance to cover a private car, your Mum and Dad, and your Sister? It. covers the person who qualifies for Motobility, or a carer. Your Sister learns to drive, and your Mother and Father no longer qualify either, I should imagine. You have knitted a mess.

Proper advice need to be sought though, this is only my thoughts.

mikey72

One option would be to transfer your insurance to the Clio.
Keep your mum's insurance on the mobility car.
Shop around for an insurer who will offer a discount to your father based on his driving record, and the fact he is a named driver with no accidents on your policy, and presumably named driver on your mum's policy.
Co-op are helpful, or speak to a broker.

Having said all that, it's not a bad price if you have a 17 year old on there.
The cost of insurance will increase dramaticlly once she passes, so take that into account when you get the quote. Some companies will be cheap as provisional, but not not even insure a 17 year old on a full licence.

bouncydog1

Change the vehicle on your policy from the Ka to the Clio. Your parents or your sister who is learning will then need to take out a policy for the Ford Ka.

As your sister will be the main driver once she passes her test, the best way forward would be for an insurance policy to be taken out in her name, but this will be expensive. The upside is that she would be earning her own bonus from day one.

If your parents take out a policy for themselves when your sister is going to be the main driver they must declare this to insurers to ensure that the correct premium is paid for the risk, otherwise there could be a fronting issue.

Insurers are really hot on fronting now and if there is any suspicion that the main driver is a youngster, and the policy is in mum or dad's name there are issues in the event of a claim.

As you have found out you cannot have you NCB on two cars, unless you find an insurer to "mirror" this for you. Personally, as you no longer live at home, it would be unwise to become embroiled in the insurance arrangements.