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Car Insurance - no longer driving

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Comments

  • EdGasket
    EdGasket Posts: 3,503 Forumite
    Quentin wrote: »
    Speak to them rather than rely on forum posts if you are concerned, and if their policy is not to allow the NCD transfer then you can look elsewhere

    How can you look elsewhere when you can't get another policy because you can no longer drive?
  • Colin_Grant
    Colin_Grant Posts: 6 Forumite
    I think it is a case of look elsewhere to find a more understanding insurer. Either way it will have to be a new policy.
  • Quentin
    Quentin Posts: 40,405 Forumite
    EdGasket wrote: »
    How can you look elsewhere when you can't get another policy because you can no longer drive?

    Look elsewhere for an insurer prepared to let named driver spouse take over the NCD
  • McKneff
    McKneff Posts: 38,857 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Many years ago my oh had to stop driving, I had been the main driver for manyou years. The cooperative just changed everything over to me.

    No charge. It was the cooperative
    make the most of it, we are only here for the weekend.
    and we will never, ever return.
  • Nebulous2
    Nebulous2 Posts: 5,907 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    The person who has the insurance doesn't have to drive. It's quite common for a person with a disability to have insurance while the car is only driven by carers for instance.

    I know an instance like the OPs where the person who lost their licence continues to insure the car with their spouse as the main driver. Insurance were happy with that arrangement. We never thought of trying to see if it would be cheaper transferring the insurance into her name.
  • mattk_180
    mattk_180 Posts: 375 Forumite
    EdGasket wrote: »
    So does that mean you can only swap NCB for a medical reason?


    In my experience, no. A good broker should be able to arrange this for you providing you've both been named on the policy with no claims regardless of the circumstances.


    Of course, there will still be some companies who aren't quite as accommodating.
  • Colin_Grant
    Colin_Grant Posts: 6 Forumite
    edited 19 January 2017 at 6:28PM
    Nebulous2 wrote: »
    The person who has the insurance doesn't have to drive. It's quite common for a person with a disability to have insurance while the car is only driven by carers for instance.

    I know an instance like the OPs where the person who lost their licence continues to insure the car with their spouse as the main driver. Insurance were happy with that arrangement. We never thought of trying to see if it would be cheaper transferring the insurance into her name.

    I never thought of that as an option. Interesting. Thanks!
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