Will going from motor trade insurance to normal transfer my experience?

nLinked

A friend of mine has cover under motor trade insurance which also covers him for personal and leisure journeys. He wants to know, if has been under this policy for many years, and then changes job and so has to go under normal personal car insurance, will his experience be taken into account by the new insurance company, or will it start from the very highest of prices and him be considered as a brand new driver? He has always only been on trade insurance since he had his first job but he is covered for personal activity too (currently).

huckster

Don't think you can use Motor Trade no claim proof, when you transfer to a private policy.

rs65

Tell him to go on a comparison sites. He will be asked

How long have you held a licence
Have you had any claims in the last five years
How many years NCB do you have

The last one will be zero but the first two mean that his experience will be taken into account

Quentin

nLinked wrote: »

A friend of mine has cover under motor trade insurance which also covers him for personal and leisure journeys. He wants to know, if has been under this policy for many years, and then changes job and so has to go under normal personal car insurance, will his experience be taken into account by the new insurance company, or will it start from the very highest of prices and him be considered as a brand new driver? He has always only been on trade insurance since he had his first job but he is covered for personal activity too (currently).

If this happens, then he will have nil ncd to transfer.

He can try a local broker (not swinton) who should be able to get him an introductory discount to reflect his claim free driving experience.

forgotmyname

Mate had the same issue, Transferred car no claims to a trade policy.

Couldnt find anyone that would transfer it the other way though.

Hard to start with zero no claims. He put the car in his wifes name.