Multi No claims?

urstuffplz1

Hey everyone, i've got some questions to ask in which i hope you lot may be able to answer for me.

Currently my son is 19, he bought a vauxhall vectra to use. Well, the insurance went wrong and now it might be that i will have to help him. Currently i've got a car myself, with 9 years no claims, and another with 1 years no claims.

Is it possible i can transfer the 9 years no claims onto his car so he gets the cheaper discount, and then put the 1 years no claims onto another vehicle, which i earned this year (putting it onto another vehicle, not the one i earned it on.) Can this happen? If i can do this, and he has an accident, what will happen to my 9 years no claims, will he be protected and therefore protecting me?

Thank you for your time, and i do hope this makes sence.

Caz3121

urstuffplz1 wrote: »

Hey everyone, i've got some questions to ask in which i hope you lot may be able to answer for me.

Currently my son is 19, he bought a vauxhall vectra to use. Well, the insurance went wrong and now it might be that i will have to help him. Currently i've got a car myself, with 9 years no claims, and another with 1 years no claims.

Is it possible i can transfer the 9 years no claims onto his car so he gets the cheaper discount, and then put the 1 years no claims onto another vehicle, which i earned this year (putting it onto another vehicle, not the one i earned it on.) Can this happen? If i can do this, and he has an accident, what will happen to my 9 years no claims, will he be protected and therefore protecting me?

Thank you for your time, and i do hope this makes sence.

Who is going to be the main driver of the car? If it is your son's car, he will be and as such he does not have a ncd. If he had an accident and you had been fronting the insurance (taking it in your name when he his the main driver) I think loss of the ncd would be the least of your problems as they would void the insurance, you would be fully liable for all the damages and possible prosecution.

I know someone that tried this - used his mothers ncd for his own car but the insurance picked it up within a month and he had to find another £2.5k

also if you take the policy in your name and they cancel it you will be affected in the future when asked "have you ever had a policy cancelled"

urstuffplz1

I will be the main driver, and the car will be registered to me. However, he will be using it as a named driver.

As it stands, i've got a ford KA, Seat IBIZA and my son's got the vectra.. i've earnt 7 years no claims on the ford, 1 year on the Seat... now, if the vectra takes my 7 years no claims it will help him out and allow him to drive, can i just transfer the no claims from my ford? We will be selling the ford. It's hard to explain so i know it might not make alot of sense to you.

He doesn't drive much, but he's helped pay for the vectra as his future car when he can afford it on his own. hope this makes sence?

forgotmyname

The insurance will smell a rat. Smells like fronting to me.

Your son bought himself a car for you to be the main driver, When you already have a policy and another car.

With these details you will have zero chance of a claim paying out. Read some of the posts where someone wasnt quite truthful with the insurance.

One recently has been sent a bill of £9000?? When his insurance cancelled his policy for non disclosure.

It makes perfect sense your going to be fronting.. Its his car he will be the main driver.

The insurance will also see through this and will take your money with a smile knowing they wont be paying out..

And they have you and your son to claim from. Just imagine a claim of many many thousands for personal injury. That will haunt you for years.

If im wrong i will donate £10 to a charity of your choice hows that?

thenudeone

You can't transfer the NCD to someone else.

Don't take a policy out yourself for your son's car unless you are absolutely certain that the insurer accepts that your son is the main driver, otherwise, as has been pointed out, you will both be in serious trouble for insurance fraud (fronting) if there is ever any incident (even if it's someone else's fault).

Beckyy

What went wrong with the insurance?

Spiderham

OK, couple of queries here then I should be able to help.

urstuffplz1 wrote: »

Currently my son is 19, he bought a vauxhall vectra to use. Well, the insurance went wrong and now it might be that i will have to help him.

How did the insurance "go wrong" on it? This is quite important as the way it went wrong may impact upon your options.

urstuffplz1 wrote: »

Currently i've got a car myself, with 9 years no claims, and another with 1 years no claims.

Is it possible i can transfer the 9 years no claims onto his car so he gets the cheaper discount, and then put the 1 years no claims onto another vehicle, which i earned this year (putting it onto another vehicle, not the one i earned it on.) Can this happen? If i can do this, and he has an accident, what will happen to my 9 years no claims, will he be protected and therefore protecting me?

Thank you for your time, and i do hope this makes sence.

If you are the policy holder then the insurer may well be happy to use your NCD from the other vehicle (provided you no longer use it on the other vehicle). Many insurers may not offer terms fearing it to be a fronting risk. If an accident were to happen involving the Vectra and it had the 9 years NCD the same thing would happen if the vehicle currently with 9 years NCD was in an accident.

Other important questions are who the Registered Keeper and Owner of the Vectra is? Also if the question came (from the insurance company for example following a claim), how can you justify being the main driver on all 3 vehicles and your son being only additional driver on the sole car he uses?

System

Spiderham wrote: »

how can you justify being the main driver on all 3 vehicles and your son being only additional driver on the sole car he uses?

It's perfectly possible, but in view of your previous difficulties you need to be especially careful and to make sure the insurance company are fully aware of the precise circumstances and the exact nature of everybody's use.

We have 4 vehicles. I am the main driver of 3 of them (two are classics and no one else wants to drive them). My wife is the main driver of the 4th, and my 19-year old daughter is a named driver. It is the only car she is a named driver of. But that doesn't mean she is hiding as the real main driver. She goes to college by bus while my wife uses the car during the day. My daughter has occasional use of the car at weekends or in the evening, but by mileage and time she is only a secondary driver.
She didn't buy the car and it isn't in her name.

Write down precisely who uses the car, when, and what mileage, and get the insurance company to acknowledge the statement in writing. Then get their quotation on the clear understanding that it is based on the information in the statement.

heaneyinglasgow

My wife was driving my car with fully comprehensive cover on admiral multi car policy and the breaks locked up she had a bump so two drivers had to claim our insurance.

We received our insurance documents out for renewal and it says we have 2 years no claims on mine and hers but i had 5 years no claims on my policy.admiral have said that because she was driving my car i lose the 5 years as it was my policy but i wasnt driving i though she would have none and i would have had 5 years any help please??????????
we are both name drivers on each others policies even though it is a multicar policy...

forgotmyname

You should have started your own thread.

I think your car and your insurance. so its your no claims that gets reduced. I dont think its right that both policies get reduced though.

If shes was not named on your car the claim would be on her policy and she would only be covered 3rd party on your car.

malky39

heaneyinglasgow wrote: »

My wife was driving my car with fully comprehensive cover on admiral multi car policy and the breaks locked up she had a bump so two drivers had to claim our insurance.

We received our insurance documents out for renewal and it says we have 2 years no claims on mine and hers but i had 5 years no claims on my policy.admiral have said that because she was driving my car i lose the 5 years as it was my policy but i wasnt driving i though she would have none and i would have had 5 years any help please??????????
we are both name drivers on each others policies even though it is a multicar policy...

Even though it was a multi car policy it is still two individual insurance policys, you just get a discount for taking both with the same insurer, there for it is treated as you have a policy and your wife has one and you are both named drives on each others policy. Should either driver have an accident while driving the car that they are a named driver for it is the policy holder that loses there no claims not the person who was driving. Your wide however will need to declare the accident at renewal where her policy will be adjusted to reflect this but she will still get her 2 years ncd.