MY No Claims bonus gone to named driver

ChillyGilly

Hi,

I have just had my renewal and on it it states my partner has 9yrs NCB, but it is my NCB. I have always been the policy holder on all our insurances and he has been named driver, because the car is mine and I am the registered keeper.
I'm sure in the past the registered keeper had to be the one to insure the car.

He uses the car for work so therefore is the main driver, I was asked this in my last policy with Lloyds bank Insurance. So said he is the main driver.

I have rung and just asked who the NCB are held with and they confirmed it was my partner, I didn't want to query it with them incase they now say I owe more money or the insurance was void

So, I just wondered should I just let it stay with him and in future put him as the policy holder, can I do this if he's not the registered keeper?

Thanks

Aretnap

Most insurers do award the NCD to the policyholder, but a minority award it to the main driver instead. It sounds like you've found one of the minority.

You don't have to be the registered keeper of a car to insure it - you just have to make sure you answer the questions about who is the owner/registered keeper/main driver correctly. A minority of insurers might insist that the policyholder is the RK, but most will be fine with it being someone else, especially if the someone else is a spouse or partner (as opposed to, say, a teenage son, in which case it might start to raise suspicions of fronting).

InsideInsurance

Anyone can insure any vehicle as long as they (a) have a financial interest in the vehicle - eg your borrowing it from a friend or you own it etc and (b) you correctly declare who the owner is.

Some insurers arent so keen on insuring certain owner/ policyholder combinations, namely a parent insuring their childs car but that is for certain reasons and no one will have an issue of a partners/ spouse

Normally it is the PH that gains the NCD and brings it to the party with RAC being a notable exception and it being the main driver for them. I hadnt heard of Lloyds also using the Main Driver but it is fairly uncommon for people to name a ND as the main driver. To be honest, it makes more sense to me but it isnt the standard

You wont have any problems getting the car insured in his name if the proof of ncd is now in his name, just remember to fill in the quote form saying that his spouse is the owner/keeper

ChillyGilly

Thanks for the help,

When I took out the policy I was the policy holder and my partner named driver, it wasn't until I rang them for something (can't remember what now) that I was told that because he was the main driver he was allowed to drive someone elses car (3rd party) but I wasn't, I had been driving my friends car, not realizing I wasn't insured.

nobbysn*ts

ChillyGilly wrote: »

Thanks for the help,

When I took out the policy I was the policy holder and my partner named driver, it wasn't until I rang them for something (can't remember what now) that I was told that because he was the main driver he was allowed to drive someone elses car (3rd party) but I wasn't, I had been driving my friends car, not realizing I wasn't insured.

That's an odd t&c. What does it actually say on the policy document? Mine uses the phrase 'the policyholder .......' not the 'main driver...'

InsideInsurance

nobbysn*ts wrote: »

That's an odd t&c. What does it actually say on the policy document? Mine uses the phrase 'the policyholder .......' not the 'main driver...'

Current wording is:

Driving other cars extension
The cover under this section of the policy is extended to the specific driver noted in the Certificate of Motor Insurance as having the benefit of this extension

Interestingly the current wording on NCD talks about You/ Your which is defined at the beginning of the policy as the policyholder and so either they have changed their wording recently or they arent following their own wording.

nobbysn*ts

InsideInsurance wrote: »

Current wording is:



Interestingly the current wording on NCD talks about You/ Your which is defined at the beginning of the policy as the policyholder and so either they have changed their wording recently or they arent following their own wording.

'Specific driver' isn't specific, unless that is further defined as the main driver, policyholder, or any driver covered by the policy. But from what you have quoted, it seems to tend towards the policyholder. They don't have the option of not following their own wording.

InsideInsurance

nobbysn*ts wrote: »

'Specific driver' isn't specific, unless that is further defined as the main driver, policyholder, or any driver covered by the policy. But from what you have quoted, it seems to tend towards the policyholder. They don't have the option of not following their own wording.

You quote what I/ it says and then really badly miss interpret it that much? It say it is specified on the certificate and of cause each certificate is unique.

Whilst it doesnt prove that they do default it to the main driver rather than the PH it does at least open up the possibility that it is someone other than the PH. If you look at almost any other insurers wording the policybook specifies it is the PH that has the cover.

The issue of "main driver", is that this typically isnt actually a defined term in policybooks, including in this one, and so would be highly unlikely to be referred to in any clauses.

System

If the entire accumulated NCD can switch to the main driver, what happens if the main driver changes?
If a couple or parent/offspring are both named drivers, driving 55%/45%, then after a few years reverse useage percentages and the PH correctly informs the insurance company, does driver A suddenly lose all his NCD?
Does driver B aquire a NCD having perhaps not had one before?

It sounds crazy. What happens if in the meantime driver A had taken out another policy in his own name and used what he assumed was his NCD, how would the company retrieve it to award it to driver B?

nobbysn*ts

InsideInsurance wrote: »

You quote what I/ it says and then really badly miss interpret it that much? It say it is specified on the certificate and of cause each certificate is unique.

Whilst it doesnt prove that they do default it to the main driver rather than the PH it does at least open up the possibility that it is someone other than the PH. If you look at almost any other insurers wording the policybook specifies it is the PH that has the cover.

The issue of "main driver", is that this typically isnt actually a defined term in policybooks, including in this one, and so would be highly unlikely to be referred to in any clauses.

Did you use google translate for this?

And what on earth are you on about?

' it does at least open up the possibility that it is someone other than the PH'

It's a contract, not a guessing game as to what possibility the document could imply when the next person reads it.

InsideInsurance

nobbysn*ts wrote: »

It's a contract, not a guessing game as to what possibility the document could imply when the next person reads it.

A contract can be made up of multiple documents with cross references between them

The policybook aspect refers you to the certificate of insurance which means it can be varied as policybooks are set and issued to all policyholders without change but certificates of insurance are created for each policy.

Hence also you will get the same policybook if you buy TPO, TPFT or Comp cover and it is the Schedule that advises you which sections of the policybook applies to your policy

Now, if you want to pay me to buy an insurance policy from them to see what comes out on the certificate of insurance so that I can post here then I am happy to do so, obviously payment in cleared funds first.