Transfer of No Claims bonus from van to car

Silverb

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Hi can anyone advise. My son has an astravan which he is selling and wants to change his insurance to a car. He has only had the van 8 months and prior to that accumulated 4 years NCB on a car. Now he has been told by the Post Office who he insured the van with that he cannot transfer his NCB back to a car even though he has not used the van commercially and only used it for social domestic and pleasure. It seems ludicrous that the NCB would be lost for the sake of owning a van for just 8 months. Please any suggestions. Thanks:(

mikey72

Phone up a few insurance companies, and speak to them. The top ones of comparethemarket, gocompare, that you actually recognise are a good start. Phone a few brokers as well, and see if they can sort out a policy for for, or at least get a mirror of the ncd. The second one is not the best way, as it's not a "real" ncd, and your originall will expire.

Silverb

Thanks for that. Have the rules change as approx 5 years ago my husband sold a transit (he had only been insured on commercial policy for several years)which he was insured on and got a car insurance and his insurance company did not query his NCB being put on a car insurance.

warez22

was the post office policy a commercial vehicle policy or a private car policy?

mikey72

The rules change as fast as insurers can think of another way of getting more money out of you.
I'm sure someone can explain why you such be such a bad risk now that driving a Transit van accident free won't prepare you for the harsh world of the Nissan Micra, but that's more than I can understand.

dacouch

Try going back to the car Insurer and explain the situation, they may allow the no claims failing that do as mikey said or try a local broker (not swintons)

mikey72

dacouch wrote: »

Try going back to the car Insurer and explain the situation, they may allow the no claims failing that do as mikey said or try a local broker (not swintons)

If Swinton's can do the job, there's nothing to stop you asking them.
Some are good, (my local one is), but others hate them.

keith1950

Hi, who insured the car? - If it was not the Post Office ring the previous insurer and ask them for the proof of no claims which would normally be accepted for 2 years.
If it was the Post Office who insured the previous car did they give him 4 years NCD when they insured the van? If they did , ask them for the proof of NCD so he can go elsewhere.

Just_Some_Guy

Every insurer is different, most look at van and car insurance as totally different things. Did they give you a massive discount equivalent to 4y NCB rather than actually giving you 4y NCB?

You're going to have to ring around like the olden days because your son's situation is too complex for gocompare etc to handle. Find a list of car insurers and work through them A to Z, or go visit a broker.

Silverb

Just checked the certificate of insurance on van which clearly states
"use of social domestic and pleasure purposes including commuting. There will be no cover if the vehicle is used for businesses purposes etc."
Also this is a car derived van and it has not been used at all for commerical use so can't understand why insurers are so damned difficult.

lisyloo

So can't understand why insurers are so damned difficult.

How many haveyou tried?
Just the one or more?

Have you tried to use the professional expertise of a broker who would know which companies can help you?