An ex-partner using NCB

Lizloz

I'm posting on behalf of my mom to get some advice - she has recently come out of a relationship that has turned extremely nasty (on his part) and I cannot tell you how relieved I am that she is now out of there.

She is currently driving around in a car that he bought for her to drive but it's insured in his name on a multi-car policy, which is linked to my mom's NCB as this enabled their monthly payments to be reduced by half of what it should be had they insured it in his name only and him having no NCB at all.

She wants to hand this heap of junk back to him as soon as possible and has just bought herself a lovely little run-around - now she's been on to the company they're both insured with (as she has the right to speak to the insurers) for 'the heap' and they have said that they need his permission for the policy to no longer be linked to my mom's NCB - the chances of that are slim and the insurance Co have tried contacting him but he's not answering (no suprises there!). It seems crazy to us that the insurance Co were able to link the policy to my mom's NCB with her permission when they set it up originally but now they need HIS permission to take it off!

Is there anything she can do in order to save her 15 years (plus) of NCB's without having to wait for her ex to 'decide' whether or not he's going to give his permission??

Any help or advice would be gratefully received

forgotmyname

Tell him if he doesnt remove her off the policy she will just keep crashing and push HIS premium up and lose him his no claims as well.

All childish and rubbish but worth mentioning.

arcon5

Seems reasonable to me, he wanted her ncb on the policy and they sought her permission to do so. Now she wants to make changes to his policy they need his permission as the policy holder.

AdrianC

As arcon says - the policy is in his name, of _course_ they need the policyholder's permission.

It's worth remembering, also, that there's no such thing as "15yr+ NCB" - the max is 5-6yrs. So might as well just shrug it off, get on with life, and start to build it back up again. Explain the situation to the new insurer, maybe they'll give an introductory bonus. See if the old insurer will confirm that there's been no claim by your mother whilst a named driver, too.

InsideInsurance

When did she last hold insurance in her own name?

If it was under 2 years ago and she can find her last renewal notice then it is likely that she can use it, though technically wrong there is no central db of NCD and little chance of her being caught.

In reality the NCD has probably been transferred into his name, even if it hasnt it will require the policyholders authority to make a change to a policy and so she'd need to keep on at him to do it and get it transferred into her name so she can take it elsewhere.

Unfortunately it ultimately is one of the realities of relationships that if you put something into the common pot that it can be very difficult to get it back out if things go sour

InsideInsurance

AdrianC wrote: »

It's worth remembering, also, that there's no such thing as "15yr+ NCB" - the max is 5-6yrs.

There is such thing, it just doesnt give 15+ years of benefits.

Insurers max out the benefit received but some insurers dont max out until 9 years (though some give more discount for max 5 years than others do for max 9)

spacey2012

She can ask to be removed from the policy that is in force now.
They may not allow him the NCB then as the joint insured is no longer insured.
Then if they will allow use last years NCB rate with the last renewal on a policy.