We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

3yrs company car NCD - but not sole user!

In January I made the decision to give back my company car and buy my own. First thing I had to do was get car insurance. I went through the 4 steps to try and get the best deal, and since I had been driving a company car for 3 years without a claim, I thought this would be easy. I got the best quote from yesinsurance $380 (sorry no pound sign!) - so decided to go with them.
They requested a letter from my company stating how many years NCD I had. This was not a problem, and it was emailed to them. I then got a mail back saying that The letter needed to state the date I started and finished using the company car. Not a problem - got another letter emailed to them.
I then got another email stating that the letter from my company needed to say that I had sole use of the company car during the 3 yrs.
I called my company to get another letter sent out, but they were unable to state that I had sole use of the car since it was a fleet car, and anybody at the company could drive it (even though they didn't!!). They could only say that the car was allocated to me.

All this means that my 3 yrs NCD is invalid, and I now have to pay a premium of $800 (more than double).

I'm now thinking of cancelling this policy and taking out insurance with someone else as this may be cheaper.

Does anyone know a company which will take 3 yrs company car NCD on a car which I was not the sole user? or a company which is reasonably priced for people with no NCD?

Cheers.
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.2K Banking & Borrowing
  • 253.6K Reduce Debt & Boost Income
  • 454.3K Spending & Discounts
  • 245.3K Work, Benefits & Business
  • 601K Mortgages, Homes & Bills
  • 177.5K Life & Family
  • 259.1K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.