No claims / No accident proof for named drivers

Essex_Jim

We have a multi car policy that covers three of my Children and there partners. My policy renews beginning of September. I feel it is time they would be better on their own policies and start building their own no claims.

Can we get any documents from our present Insurer that a named driver could use towards a discount / No claims bonus on their own policy

DullGreyGuy

Who is your insurer? What do they say about NCD? 

There aren't too many true multi-car policies, most are multi-policy discounts. With Aviva and Admiral for example the "main driver" for each vehicle has their own NCD (as they were able to bring their NCD when they joined)

HillStreetBlues

Essex_Jim said:

We have a multi car policy that covers three of my Children and there partners. My policy renews beginning of September. I feel it is time they would be better on their own policies and start building their own no claims.

Can we get any documents from our present Insurer that a named driver could use towards a discount / No claims bonus on their own policy

Personally I would look at the cost.
If it costs much more having their own policies, this will more than outweigh  any future NCD.

GrumpyDil

Do they all live at the same address as I though multi car policies needed everyone to live at the same address?

Just interested as discounted multi car because my daughter lives away but might be worth a look if they allow multiple addresses. 

CliveOfIndia

A few insurers will give you a NCD based on your driving history as a named driver on someone else's policy - but usually only if you take out your own policy with the same insurer.

Just by way of example: https://www.sainsburysbank.co.uk/car-insurance/named-driver

Also, https://www.comparethemarket.com/car-insurance/content/no-claims-discount/ 

"

Named drivers can’t usually build up a no claims discount, although they can accumulate their own if they’re insured as the main driver on their own car. Some insurance providers may give a named driver a discount – provided they take out their own policy at a later date."

Not all insurers will do this - and obviously, it may be that your current insurer works out to be more expensive than others for you children anyway, even if they do give a NCD.

DullGreyGuy

GrumpyDil said:

Do they all live at the same address as I though multi car policies needed everyone to live at the same address?

Just interested as discounted multi car because my daughter lives away but might be worth a look if they allow multiple addresses. 

No, Admiral for example dont require you to all live at the same address. As mentioned previously, most in reality are just multi-policy discounts badged as something else

Essex_Jim

Thank you for all the replies. 

I am with Admiral. There are four cars covered under the policy. Two are driven by two different daughters as the main driver.

On both policy's for both cars I am shown as 'Administrator'. On one policy my daughter is the 'Policyholder'. This policy shows 1 years NCB. On the other it just shows Named drivers  as well as me as an Administrator. This Policy 2 years NCB.