Period License held for...

Lokolo

drinkupretty wrote: »

I was just saying that this is the case. I used to work for an insurer and a heck of a lot of people thought that being a named driver whilst learning to drive meant they had no claims discount.

Ah ok! I thought I missed out some post or something

Lokolo

!!!!!! wrote: »

And the number of years NCD has nothing to do with the licence type

No but the systems link up the "held licence for" and NCD. So the OP could end up with a similar thing to me, whereby after my first year I had 1 NCD yet only had full licence for 5 months. The system would not allow this. After speaking to insurers (which I think everyones agreed on ) they said put 1 year down for licence.

j2009

If there is no help text, and it simply says 'period licence held' or something to that effect and the is no requirement to state the type of licence you hold then in my opinion it is fair and reasonable to give the date you obtained your provisional.

If it transpires this was the wrong interpretation the insurer may challenge your cover. You would need to explain your intertpretation (not hard in this instance) and for them to cancel your cover they would need to demonstrate that they would not have accepted you if you had disclosed the date you obtained your full licence. If they cannot demonstrate that they would not have accepted you then they can't cancel your policy but they are within their rights to deduct any additional premium they would have charged has they known the correct information from the settlement that they make. I am in no way advocating lying or any attempt to deliberately misinterpret because the key thing here is that your explanation must be sensible eg you can't be 17 years old but claim to be 40 because it would be very hard to explain how this could be misinterpreted.

For peace of mind you might like to check that they would accept you if you use the date you obtained your full licence.

This question is getting more confusing now that we all have to renewed our licences every ten years since technically following renewal of my driving licence you could argue that the clock is reset because I have only held my current one since the renewal date. Of course this isn't really what insurers mean but highlights how even a seemingly easy question can be ambiguous.

InsideInsurance

Lokolo wrote: »

No but the systems link up the "held licence for" and NCD.

A little bit of a broad brushstroke to say every insurance companies system links license to NCD given there are probably a couple of hundred systems out there.... certainly a few are not up to the standard to link any two separate fields together.

moggypants

Thank you everyone for replying.

I'm trying to use a comparison website. My dilemma is - I have seven years NCD, as I've had my own car and policy since learning to drive seven years ago, but have only had my full license for four years (big gap in between due to illness, not because I drive like Maureen from Driving school). Eeek! x

scooby75

I would suggest that the insurer is looking at how long you have had a licence that allows you to do what you are asking the insurer to cover you for. If you are wanting to drive by yourself without L plates, a passenger over x years etc etc then you will put in how long you have had a full licence.