No claims discount for second driver car insurance companies?

rus4u

Hi all,

can someone tell me which companies in UK give no claims discount for the second driver except Direct Line?

Quentin

Co-op- .

rus4u

so just 2 companies do that?

chanz4

you cant transfer the bonus either, so little point

rus4u

so I wouldn't be able to use this second driver No claims discount if I dicide to finish contract with direct line/co-op and move somewhere else? it will work only with these companies?

forgotmyname

If you swap companies then they probably wont recognise the no claims earned as a named driver.

Its too open for abuse i guess.

I would like insurance for my daughter, Yeah she is 17 but has 17 years no claims. I added her as a named driver before she was even born

System

Privilege.

Full NCD to my wife when she insured our second car. A year or two later she changed to another company, who accepted the NCD without question.
I don't see how a system of "marking" NCDs indefinitely could be workable - it would mean every time an insurer receives evidence of NCD it would have to research the NCD's history to see if somewhere back in the chain it was a named driver discount and not a policyholder one. That might be dozens of insurers ago.

InsideInsurance

Most of the DL brands (DL, Churchill, Privilege etc) and the co-op

The letters they send make it clear that you have X years "real" NCD and Y years "ND" NCD thus you have a total of Z years. It is ultimately up to another insurer if they decide they want to recognise the full Z or the lower X.

Certainly the insurers that do ND NCD hope and want other insurers not to recognise them as it is designed as a retention tool.