Adding sister to car insurance - NCB?

Pmarmalade

I want to add my sister to my car insurance so she's fully insured for it under my policy. She's got 5 years NCB however this year she had an accident but has NCB protection.

When I'm comparing new quotes it asks if the driver has had any accidents in the last 5 years. Wityh the NCB do I or don't I have to specify this? :huh:

Quentin

They are asking about her driving history, not her NCB.

You must answer all questions truthfully - they will find out if you don't "specify" an accident/claim!

Pmarmalade

Quentin wrote: »

They are asking about her driving history, not her NCB.

You must answer all questions truthfully - they will find out if you don't "specify" an accident/claim!

I understand this and I'd do it over the phone and explain in detail when renewing anyway.

At the moment I'm just trying to get a quote price. However, what is the point of protecting a NCB if it doesn't transfer across companies?

Quentin

No claim bonus (whether protected or not) is nothing to do with your driving history.

You cannot get out of declaring your driving mishaps by paying extra to protect your NCB!

Whether you apply online or in person for quotes, you need to say "yes" to the question about has she had any claims/incidents in the last x years.

(And as a named driver on your policy, her NCD is irrelevant as it cannot be used on your policy)

bigdave196

NCB generally doesn't count for named drivers

forgotmyname

Just think how you will feel if either of you have a bump then they bring up the fact you failed to declare
known accidents to them. They either ask for £££ more because of the higher risk or cancel your insurance
and refuse to payout. Or payout then sue you for the money.

Worth the risk?

ohreally

Pmarmalade wrote: »

what is the point of protecting a NCB if it doesn't transfer across companies?

And the penny drops.

forgotmyname

Exactly, OK if your with the cheapest company and it stays that way after an accident.

BUT as usual. If they increase your premium because your are now a higher risk then there is not much you can do. Go elsewhere and its upto them to choose howto apply your no claims.

Ahh yes 20 years no claims except 1 claim last year. Well we only count upto 5 so we will put you down as having 2 years no claims.

Never protected mine but most people i know do.

Would be interesting to see how other companies do apply the NCB transfer after you have had a claim that was protected.

InsideInsurance

The point of protecting it is that you continue to get the higher discount after the accident. Your base premium still goes up but you still get the same NCD percentage discount from it rather than both having higher premium and also getting a lower discount.

forgotmyname

InsideInsurance wrote: »

The point of protecting it is that you continue to get the higher discount after the accident. Your base premium still goes up but you still get the same NCD percentage discount from it rather than both having higher premium and also getting a lower discount.

Yes ... BUT... lets say....


Renewal after an accident the insurer says £1000 for renewal with the full NCB still in force because it was protected.

But i can get insurance for £800 elsewhere after declaring the accident.

How will the new insurance company apply the no claims?
Will they deduct 2 years or more? Or allow me to keep the full discount they allow?

Only asking out of curiosity as the main factor at the end of the day is the price.

InsideInsurance

No, the new insurers will honour the number of years listed. So if you had 5 years NCD that was protected. Had your first ever claim you would get your renewal stating 5 years NCD.

Moving to a new insurer you declare your claim but still state you have 5 years NCD. Your previous claim will still count as a "life lost" from the NCD protection.


At the end of the day it should be VALUE not PRICE.... insurance cover & fees varies significantly between insurers for motor and massively for Home. The cheapest can be the cheapest as you get naff all cover and stupidly high fees if you ever want to change anything.