Car Insurnace Quote - Is this too good to be true?

info_maniac

I own 2 cars, both are around 10 years old.

I have 5 years NCB (no claims, convictions) earned using Car1.

Car1 was insured by Aviva. Just near to insurance renewal date last year, Car1 developed a fault, so I made it SORN and bought Car2.

I insured Car2 with Aviva and used 5 Years NCB on Car2 - The annual premium was around £325.

Now Car1 is fixed and I wanted to insure it, so logged on online on My Aviva account and used their multicar online quote.

To my surprise, I became aware that I could use my 5 years NCB on only 1 vehicle - which I was already using for Car2.

So, for Car1 the annual premium was quoted an additional £685 by Aviva online quote(using 0 years NCB). Direct Line also gave a similar quote.

I found from some threads here that if requested politely, some insurers mirror the NCB on the second vehicle, so I decided to ring Aviva and to my surprise they did that and quoted me an additional £160 to insure Car1 on the same policy.

Now the too good to be true part - I was told that if I add another named driver in future they may withdraw the NCB mirroring. I replied that my wife who holds a provisional license for 3 years may be added to the policy later. Surprisingly, I was told that if and only if I add my wife as a named driver - I will still be able to get the benefit of NCB mirroring.

The quote I was given now was an extra £110 only - Both cars can be driven by either me or OH.

I really could not believe this, Is this too good to be true or have I missed anything.

I will go ahead with the quote in a couple of days, but am still not sure what to make of this.

Quentin

Ask them how much it will be if/when she passes her test and changes from provisional to full licence.

Shreya_Roy

Ask all your Queries Before taking the final leap. As these Policy Providers have their trends .
to sell a policy they will only tell you the sweet things about the Policy and during Claims all the liability comes up you get to know the Issues.

[Deleted User]

info_maniac wrote: »

I own 2 cars, both are around 10 years old.

I have 5 years NCB (no claims, convictions) earned using Car1.

Car1 was insured by Aviva. Just near to insurance renewal date last year, Car1 developed a fault, so I made it SORN and bought Car2.

I insured Car2 with Aviva and used 5 Years NCB on Car2 - The annual premium was around £325.

Now Car1 is fixed and I wanted to insure it, so logged on online on My Aviva account and used their multicar online quote.

To my surprise, I became aware that I could use my 5 years NCB on only 1 vehicle - which I was already using for Car2.

So, for Car1 the annual premium was quoted an additional £685 by Aviva online quote(using 0 years NCB). Direct Line also gave a similar quote.

I found from some threads here that if requested politely, some insurers mirror the NCB on the second vehicle, so I decided to ring Aviva and to my surprise they did that and quoted me an additional £160 to insure Car1 on the same policy.

Now the too good to be true part - I was told that if I add another named driver in future they may withdraw the NCB mirroring. I replied that my wife who holds a provisional license for 3 years may be added to the policy later. Surprisingly, I was told that if and only if I add my wife as a named driver - I will still be able to get the benefit of NCB mirroring.

The quote I was given now was an extra £110 only - Both cars can be driven by either me or OH.

I really could not believe this, Is this too good to be true or have I missed anything.

I will go ahead with the quote in a couple of days, but am still not sure what to make of this.

Hi info_maniac

Thanks for your post.

If you'd like us to answer your questions for you and double check everything is correct, please email the following details to social@aviva.co.uk:

Full Name
Date of Birth
Postcode
Quote Number
Money Saving Expert Username

I look forward to hearing from you soon.

Kind Regards

Stephanie
Aviva Social Media Team

info_maniac

What other questions should I ask?

Also, should I expect the premium to go up or down when she passes her test?

AFAIK, Aviva are the one of the few insurers who count the length of driving licence starting from 'when you first got your UK provisional licence'. I have checked this several times on their online form and also confirmed with their telephone representative. Aviva company representative - could you please confirm this? You shouldn't need any specific details to answer this.

Quentin

Insurers (incl Aviva) ask what type of licence you hold, and you inform them when this changes.

Expect the premium to increase a lot after she passes. (Which explains #2!)

info_maniac

I called Aviva again today, and asked them:

1. What will be the change in premium if/when my wife passes her test and moves to a full UK licence?
Aviva told me that 'at the moment' if she moves to a full UK licence, then there is no change in the premium. But, they can't guarantee later. Fair enough, I thought. Now, when I asked if there is any admin fee if/when my wife moves to a full UK licence, I was told there is no fee and it can be changed online as well, but there can be an admin fee in future.

2. My wife held a full Indian licence (valid from 2006) before getting the provisional UK licence (from 2010). Aviva rep told me that they are happy to consider my wife's Indian licence duration which is 8 years. However, this has left me a bit confused, when I look at the quote, the answers to these 2 questions seem contradictory:

Q:Driving licence type
A:Provisional UK car licence

Q: Length driving licence held?
A: 8 years or more --> I have been told that they are considering Indian licence duration here

This does not seem right to me. I am not sure whether to go ahead with this or not?

Quentin

You need them to confirm in writing they are accepting that her previous Indian licence be included as part of her UK driving licence history.

(There are often problems raised when drivers have held overseas licences for a long time, then pass their UK test, whereupon the insurer does insist they have now only held a licence for zero years.)

As far as what happens to the premium after she passes, the advisor was correct to say nothing can be guaranteed!

Many insurers happy to take learners don't take on novices when they pass, meaning they have no cover, and a new policy must be bought if they are to continue driving. But no-one can guarantee whether or not any insurer will change their practice over things like this at some unspecified future date.

[Deleted User]

info_maniac wrote: »

What other questions should I ask?

Also, should I expect the premium to go up or down when she passes her test?

AFAIK, Aviva are the one of the few insurers who count the length of driving licence starting from 'when you first got your UK provisional licence'. I have checked this several times on their online form and also confirmed with their telephone representative. Aviva company representative - could you please confirm this? You shouldn't need any specific details to answer this.

Hi info_maniac,

That is indeed correct. We take into account provisional licence years. When quoting or making an amendment to an existing policy, we'd ask what type of licence is currently held, and then how long a licence has been held for in total.

In terms of your initial post on this thread, everything appears correct from the information to hand. When a second car is insured with us, we can look to mirror the discount which is on the first car. This wouldn't be an actual set of No Claims Discount (NCD) to start with, but an equivalent discount. Once you've had the second car with the mirrored discount insured with us for two years with no 'at fault' claims, the discount would turn into an actual set of five years NCD (threshold for the maximum discount percentage with us).

In relation to additional drivers being added and how that impacts the discount, you're correct in that adding your wife will keep the discount on the second car intact (providing the criteria is met). Motoring convictions and claims can effect this but that would all be discussed and established at the time of quoting for the change. Mirrored NCD or other kinds of introductory discounts are applicable if it's the policy holder only or policy holder and spouse, so adding a friend for example would mean criteria for the discount is no longer met.

We're happy to double check your policy specifically as Stephanie has offered. However as above, from the information to hand, this sounds correct and what I'd expect to see.

I hope this helps

Many thanks

Martin
Aviva Social Media Team

info_maniac

Hi Martin

Does this look right to you?

Q: Driving licence type
A: Provisional UK car licence

Q: Length driving licence held?
A: 8 years or more (this is the Indian licence)

Can Aviva give me in writing that they accepted my wife's Indian driving licence as part of her UK driving licence history?

[Deleted User]

info_maniac wrote: »

Hi Martin

Does this look right to you?

Q: Driving licence type
A: Provisional UK car licence

Q: Length driving licence held?
A: 8 years or more (this is the Indian licence)

Can Aviva give me in writing that they accepted my wife's Indian driving licence as part of her UK driving licence history?

That's correct, we also take into account the length of time a foreign driving licence was held. This is within our Underwriting criteria.

Thank you

Martin
Aviva Social Media Team