Car Insurance

aparna71

Currently, I am a named driver on a multicar policy with Aviva which expires on 8 Aug.
I am a 55 plus old housewife with zero NCD as I have not been the policyholder for decades. My named driver NCD from Privilege Insurance has also lapsed.
According to Aviva, I need to be the policyholder and owner of the car to be able to start earning NCD. 
My son will transfer one of the cars in my name.
Any advice about how to go about sorting my car insurance will help. Thanks.

born_again

Going to be one of the cases where ringing round some companies and explaining situation may bring about a discount. 

AdrianC

NCD usually only applies to the policyholder, yes. Ownership? Nope, just an insurable interest so that you can be policyholder.

Perhaps Aviva will give you a discount roughly equivalent to the NCD as a goodwill gesture? Other insurers may, too, if you ask nicely and have some proof.

jimjames

Multicar policies can also have multiple policyholders, we have 3 different ones on our policy all earning NCD

aparna71

Thanks everyone for your help. I will check out car insurance comparison websites and check with Aviva as well.

Sandtree

born_again said:

Going to be one of the cases where ringing round some companies and explaining situation may bring about a discount. 

Many insurers offer a special introductory discount for those with a clean record, notable history but no NCD however this is normally done automatically by the system. You can "ring round" but given most insurers also offer cheaper prices online you are likely to find higher prices after explaining the situation.

To the OP - why are you now wanting insurance in your own name rather than having this additional vehicle under the multi-car policy? In certain circumstances, eg recent widow(er), insurers will replicate an NCD to a ND as a gesture of goodwill but thats most likely to be your existing insurer than another.

aparna71

Sandtree said:

born_again said:

Going to be one of the cases where ringing round some companies and explaining situation may bring about a discount. 

Many insurers offer a special introductory discount for those with a clean record, notable history but no NCD however this is normally done automatically by the system. You can "ring round" but given most insurers also offer cheaper prices online you are likely to find higher prices after explaining the situation.

To the OP - why are you now wanting insurance in your own name rather than having this additional vehicle under the multi-car policy? In certain circumstances, eg recent widow(er), insurers will replicate an NCD to a ND as a gesture of goodwill but thats most likely to be your existing insurer than another.

I just wanted to check what is possible now that I am aware of my terrible oversight in this matter. 
Thanks for your help

daivid

Get some quotes from the comparison sites to get a bench mark. Make sure you sort out the insurance a few weeks before it is needed - 3 weeks is supposed to be the sweet spot, in the last few days the costs really do ramp up.

Your lack of NCD may not be the end of the world, if you are otherwise low risk the difference in money may not be too great, out of interest I ran dummy quotes with my 9year NCD and with 0; with my no claims £186 pa, without £270. Obviously that is a fair wack percentage wise but on the cost of motoring for a year won't break the bank - if I was younger and with claims/convictions then the % reduction could be far more significant… 

aparna71

Just wanted to thank you all for your valuable knowledge. I used a few car insurance comparison websites and found that comparethemarket.com asks about Named Driver too. On that basis I got a £220 cheaper quote from my insurance provider.

aparna71

daivid said:

Get some quotes from the comparison sites to get a bench mark. Make sure you sort out the insurance a few weeks before it is needed - 3 weeks is supposed to be the sweet spot, in the last few days the costs really do ramp up.

Your lack of NCD may not be the end of the world, if you are otherwise low risk the difference in money may not be too great, out of interest I ran dummy quotes with my 9year NCD and with 0; with my no claims £186 pa, without £270. Obviously that is a fair wack percentage wise but on the cost of motoring for a year won't break the bank - if I was younger and with claims/convictions then the % reduction could be far more significant… 

Thanks Daivid. As a named driver for a number of years my new car insurance is only a little higher in comparison to my husband's with 9 years NCD.