Does driver NCD always expire after two years? With all insurers?

Tunstallstoven

Hi all

I messed up a little....

Up until August 2015 my partner and I had a car each, but we then went down to one car and have been like that since. She is the main policy holder on the current car. We do a similar amount of miles; maybe she does a touch more but there's not too much in it.

I had planned to switch it at some point so that I would be the main driver and would therefore keep my NCD "active/alive". From what i understand, it usually expires/resets after two years.

The time has flown by and here we are now two years and several months later...

So have I lost my NCD discount for good? Or do some insurers look back further than 2 years and allow for NCD from 3 years ago?

Many thanks

Max

doodle-bug_2

I was in the same situation as you - only I was a named driver for far longer... When I got an additional vehicle I rang our insurers and they matched my husband's NCD (which was the maximum) without a fuss.

Quentin

Try Co-op who take it up to 3 years old

trailingspouse

Lots of companies will offer you an introductory bonus - it might not be the full NCD, but it's better than nothing.

When my OH went from driving a company car to owning his own car (and being a named driver on my policy) this is what happened. They needed a letter from his employer to say that he had been driving claim-free for x number of years, which wasn't an issue. They're likely to ask for a letter from you OH saying that you've been on her policy for 2 years and have had no claims in that time.

The best companies to ask would be the one your wife is with currently, the last one you had insurance with, and whoever has your house insurance - basically, if you already have some sort of relationship with the company they are likely to be more willing to do it.

Nebulous2

Who is / was your insurer?

Directline allow 3 years if you were insured with them (or they did)

Tunstallstoven

Thanks for the helpful replies and info.

The last insurer I was with was Aviva...

Tunstallstoven

Hi all

Coming back to this now as the insurance is up for renewal next month. Don't want to leave it until the last minute!

So just playing with quotes on Confused.com. Taking Admiral as an example...

- £162 p/yr. In my partner's name (10 years NCD) with me as named driver.
- £162 p/yr. In my name (6 years NCD) with my partner as named driver. So the same...

But here's where I was surprised...

- £171 p/yr. In my name (NO NCD) with my partner as named driver.

Am I right to be surprised? Do others find this odd? I was really gutted that I might have let me 6 years NCD expire by not having had a policy in my name in over two years. But here we are and I'm finding that it inly makes £9 of difference in any case!!!

Is NCD really as worthless as that?

Would be interested to hear any thoughts.

Cheers

silvercar

With your NCD you would also have the option of protecting your NCD.

Tunstallstoven

silvercar wrote: »

With your NCD you would also have the option of protecting your NCD.

Hi silvercar

I guess I need to work out whether my NCD is even valid any more before worrying about that!

But funnily enough - based on what I've found out so far - I'm chuffed that I have never taken out NCD protection. If the difference in a quote between having no NCD and 10 years NCD is a measly £9, then NCD Protection seems a complete waste of money!

Placitasgirl

More insurers are now accepting NCD from 3 years ago. My insurer, Direct Line is one of them.

Quentin

Placitasgirl wrote: »

More insurers are now accepting NCD from 3 years ago. My insurer, Direct Line is one of them.

From Direct Line website :

Your NCD must be from a valid UK insurer and must not be older than 2 years