Stripped of No Claims after Multi Car policy with ex-partner

Scrimpette

I'd really appreciate some feedback:

My car insurance is due, with the cheapest quote coming in at over £600. I have been driving 10 years, with no claims, and my car is a 1.3 Jimny. The problem is my NCB was stripped when I split with my ex-partner 2 years ago; we were together 6 years but during the last year we had a multi-car policy. After the split I was told that my no claims had essentially been absorbed by the policy and that I would have to start from scratch. I had a 2.4l Chrysler PT cruiser at the time that was costing me around £300 annually.

I feel like I'm being cheated, is there anything I can do? Or are there insurers that will consider my circumstances when I apply?

InsideInsurance

Do you still have proof from the year before? Was you the policyholder that time?

If you were the policyholder then you may be able to get a new insurer to accept the NCD from then but itll be worth phoning them before accepting any quote just to make sure due to the unusual circumstances

dacouch

My first port of call would be a really polite call to admiral, get the person on side then explain the problem and ask what they can do to help.

Scrimpette

The lead policy holder was my ex partner as he was the more experienced driver, however, when we pooled our no claims discount it wasn't explained that if we ever went or seperate policies in the future that I would lose mine...

What's more, my 24 year old stepbrother drives a ridiculously sporty Nissan 350Z and pays under £500 with admiral, and he only has 2 years no claims! I don't understand how he could be less of a risk than I am as a 28 year old mother!?

InsideInsurance

Scrimpette wrote: »

my 24 year old stepbrother drives a ridiculously sporty Nissan 350Z and pays under £500 with admiral, and he only has 2 years no claims! I don't understand how he could be less of a risk than I am as a 28 year old mother!?

I've never understood Admiral's pricing at all but its always been very cheap for me. For example, I am looking to get a new car, last one before kids so pushing the boat out for a 2 seater GT type car.

Me only on 4.5L twin turbo then second best price is ~£2,500 and Admiral is ~£800

Me + just passed driving test wife on 4.5L twin turbo then second best price is ~£6,000 and Admiral is ~£950

Absolutely crazy to insure someone who has just passed their test on a 4.5L sports car but particularly for just an extra £150

Scrimpette

I went through the motions of obtaining an admiral quote as my quotes have been anywhere from just under £600 wit Hastings Direct, and a whopping £1700 with Direct Line. I was shocked to find that Admiral turned up in the mid range at just over £1100!! I'm clearly missing something as to why I'm such a risk?? :mad:

guesswho2000

Me and OH had a multicar policy two years ago, I specifically asked them at the start whether we'd still keep separate no claims, which they confirmed, despite the fact I added OH when her policy expired a couple of months later.

Sure enough, at the end of the policy they issued two separate NCD confirmations, which we then used to go with separate insurers (Admiral was no longer cheapest). We also had differing levels of NCD which both increased by 1 year at the end.

So your situation sounds very odd. Is it Admiral who have told you this?

Scrimpette

We were insured with Swiftcover at that time. We told them about the split once renewal was due; I expected my insurance to increase A BIT, but their quote was astronomical for me alone, with NO NCD as they'd absorbed it into the multicar policy, which lead me to sell my Chrysler and buy the Jimny.

I feel like I'm being discriminated against for ending a raltionship? I've put up with it for the last two years because I didn'y think there was anything I could do, but there must be a way to prove I am a consistently safe driver? I have earned max NCB by most companies' standards.