No Claims Discount for Named Drivers

Someone I know has their car insured by a friend who puts them as a named driver. They pay for the insurance on their car.

Are there any insurance companies that gives a no claims discount for named drivers.

Comments

  • 400ixl
    400ixl Posts: 2,635
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    Sounds like insurance fronting, which is essentially insurance fraud. In answer to your question, no, only the policy holder qualifies for the discount.

    There are times where a named driver moves to their own policy and the insurer gives them a discretionary introductory bonus.
  • My ex left her husband before we go together.
    She wanted to get a car, but had only been second driver on his policy.
    We called around and Norwich Union would not accept no claims for spouse, but their sister company Hastings direct would.
    Called them and she got full no claims discount.
    That was 20 years ago.
    I would call all the big firms and ask.
  • 400ixl
    400ixl Posts: 2,635
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    Hastings direct hasn't ever been a sister company of Norwich Union. It is an insurance broker and was privately owned at the time you mention.
  • 400ixl said:
    Hastings direct hasn't ever been a sister company of Norwich Union. It is an insurance broker and was privately owned at the time you mention.
    I don’t remember which one it was, 20 years is a long time ago.
    I don’t remember what I had to eat yesterday.

  • DullGreyGuy
    DullGreyGuy Posts: 9,119
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    Robertflh said:
    Someone I know has their car insured by a friend who puts them as a named driver. They pay for the insurance on their car.

    Are there any insurance companies that gives a no claims discount for named drivers.
    As others have said, that sounds like fronting which is a form of fraud but it could be legitimate if they have correctly declared who the main driver is and who owns/keeper of the vehicle. If they have done that then they'll simply have been paying more for the insurance than they needed to. 

    There are insurers that award ND NCD however you have to accrued the ND NCD whilst you are with them, they wont give you credit for the time you were a ND on another insurers policy. In most cases another insurer then wont recognise the ND NCD and so it creates lock in (or at least that's the hope)

    If their current insurers offer ND NCD it will have been stated on their renewal letters each year 
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