beware multi-car discount... named drivers lose no claims bonus

peternaosdgpoashuvgsanfladnf

can't post links here so google this:
   churchill multi-car insurance
and this:
   churchill car comprehensive

i came out of the end of my multi-car policy and the policy holder (my wife) had 9 years of no-claims and the named driver (me) had zero years
this meant a pretty massive 20% increase on my expected premium
avoid avoid avoid!

any thoughts???

Sandtree

Its a random statement with no context in which to judge the situation.

So how much NCD did you both have going in? How long did you hold the policy? Were any claims made and if so details?

peternaosdgpoashuvgsanfladnf

Sandtree said:

Its a random statement with no context in which to judge the situation.

So how much NCD did you both have going in? How long did you hold the policy? Were any claims made and if so details?

we were in the group policy for about three years... we didnt make any claims... the point is that if two people aggregate their insurance then at the end of the period only the policyholder has NCD... the named driver has nothing

Sandtree

That is how car insurance has always worked, the policyholder gains the NCD.

Churchill doesnt have a true multi-car policy just a multi-policy discount which, according to Live Chat rather than their website, can be gained by having two policies in different names at the same address... their online quote system states they need the same policyholder. 

peternaosdgpoashuvgsanfladnf

Sandtree said:

That is how car insurance has always worked, the policyholder gains the NCD.

Churchill doesnt have a true multi-car policy just a multi-policy discount which, according to Live Chat rather than their website, can be gained by having two policies in different names at the same address... their online quote system states they need the same policyholder. 

indeed... and that is the point of my post.... many people won't realise that the named drivers' NCD evaporates and they're left with nothing at all... i'm glad you already knew that... but it's absolutely not clear from the marketing

Thrugelmir

Named drivers are generally regarded as occasional users of the vehicle. Rather than the main. 

Sandtree

peternaosdgpoashuvgsanfladnf said:

Sandtree said:

That is how car insurance has always worked, the policyholder gains the NCD.

Churchill doesnt have a true multi-car policy just a multi-policy discount which, according to Live Chat rather than their website, can be gained by having two policies in different names at the same address... their online quote system states they need the same policyholder. 

indeed... and that is the point of my post.... many people won't realise that the named drivers' NCD evaporates and they're left with nothing at all... i'm glad you already knew that... but it's absolutely not clear from the marketing

There are plenty of other scenarios where similar happens... when a family goes from two cars to one for a few years and then gets as second car etc. Most insurers do recognise an unused NCD for up to 2 years, Coop used to be 3 years, but that doesnt help you given the duration.

How did you buy the policy originally? What reason did you decide to use the same policyholder on both rather than keeping them in your own names?

JGB1955

I wasn't aware that named drivers ever gained a NCD...... That sounds bonkers!... I passed my test at age 20, and didn't drive for another 10 years... so could have accrued a 10 year NCD during that time?????

peternaosdgpoashuvgsanfladnf

How did you buy the policy originally? What reason did you decide to use the same policyholder on both rather than keeping them in your own names?

this was sold as a multi-car policy that would save us money... it was a cheaper combined premium... but now is more expensive given that my NCD has disappeared

Sandtree

peternaosdgpoashuvgsanfladnf said:

How did you buy the policy originally? What reason did you decide to use the same policyholder on both rather than keeping them in your own names?

this was sold as a multi-car policy that would save us money... it was a cheaper combined premium... but now is more expensive given that my NCD has disappeared

That doesnt answer the questions.

There is only one possible avenue for complaint really but that will depend on the answers to the above. That itself may be thwarted as I know many years ago it wasnt a true multi-car policy and their live chat says with their new system its not a true multi-car policy but that does leave a door open for 3 years ago them being on another system where it was a true multi-car policy and as such did have to go in one name.

peternaosdgpoashuvgsanfladnf

Thrugelmir said:

Named drivers are generally regarded as occasional users of the vehicle. Rather than the main. 

as the other comment mentioned... this is a kind of hybrid policy... i was the registered keeper and legal owner of a car on which i was the named driver... my wife was the registered keeper and legal owner and driver of a different car