Aviva Transfer NCD

askgar

Hi

I've been on my Parents insurance for a car for the last few years, initially as a named driver while I learnt to drive, and then just after passing. A couple of years ago I became the main driver of the car, and the insurance was changed to match that, but with the policy holder still being my mum.

The renewal came through a couple of days ago and with it came some changes in the T&Cs, the most important of which being that the MAIN driver (me) now earns NCD, not the policy holder, along with it they have transferred the NCD to me. This means that, according to the renewal at least, I now have 5 years NCD on the car, despite only have had a full license for 3.5years.

This doesn't sound correct to me, and almost every site I have tried to get a comparison quote on states that it's impossible for me to have more years NCD than years having had a full license.

I am going to be taking over the insurance this year and having the policy in my name so what is my best course of action? Am I likely to find any insurance company that will give me the full 5 years, or even let me take the 3 years they consider the most I could have claimed, as NCD on a new policy, or am I going to have to get quotes and call all the companies and see if they'll accept it that way?

Quentin

If they issue you a proof saying you have these 5 years, then you have got 5 years! (Poor mum!!)

Steve1981

the way this should work is that the renewal states that you hold the ncd then companies should accept this.

if you think about it many provisional licence holders have insurance policies in their name before passing their test so its fairly common for someone to have more ncd than the number of years they have held their licence.

whilst websites dont often recognise this a phone call direct to an insuer should resolve this issue

askgar

Steve1981 wrote: »

the way this should work is that the renewal states that you hold the ncd then companies should accept this.

if you think about it many provisional licence holders have insurance policies in their name before passing their test so its fairly common for someone to have more ncd than the number of years they have held their licence.

whilst websites dont often recognise this a phone call direct to an insuer should resolve this issue

Thanks both of you, I was thinking of doing quotes at the maximum (3 years) they would accept, then phoning to say actually I have 5 years, can you knock more off. Would this be a good idea.

Quentin wrote: »

If they issue you a proof saying you have these 5 years, then you have got 5 years! (Poor mum!!)

Luckily my parents are going down to a 1 car household so it won't affect them, however I could see it being a problem for some people.

Steve1981

you could do it that way - though do bear in mind it wont be based on correct information - and i've heard stories of when customers have done that its made very little difference and in some instances where customers have had more ncd (usually 5 rather than 4) its actually ended up more expensive?

an unusual stance aviva have taken on this one, out of the norm, but beneficial for you