Car Insurance

gletley

My husband had to give up driving due to AMD has not renewed his licence.  He has nine years no claims bonus, I have been a named driver, but I've not owned my own car for ten years. In March the car insurance will be renewed, the insurance company has already named me as the only driver for the car and has said it will transfer the nine years no claims to me in March when I become the insured driver, I will be 68.
I would like to ask if anyone else has been in this position, because, I am concerned they will class me as a first time driver, full clean licence, not even a parking ticket, I also tow a caravan. If this is the case, what would be the advice of members? As pensioners, we need to consider the best options and cost.

maman

Sorry can't help your general question but they always ask how long you've had a licence when taking out a policy so definitely not a first time driver. 

gletley

maman said:

Sorry can't help your general question but they always ask how long you've had a licence when taking out a policy so definitely not a first time driver. 

Been driving since I was 21, that's a lot of years.

Aretnap

The main problem that people have when they insure a car having not owned one for many years is that they won't have any no claims discount. But your insurer has already said that it will transfer your husband's NCD to you, which is common where one partner stops driving permanently for health reasons.

In which case if you can declare that have held your licence for 40-odd years and you have 9 years NCD there is no sense in which you will be treated as a first driver.

400ixl

If your insurer is going to give a renewal quotation in your name and stating 9 years NCD then you can take that to any insurer and get quotes as if you had always been the driver and earned that NCD. You will be no different to the rest of us looking for a quotation. 

Your current insurer will be setting you up nicely if that is what they are doing.

sheramber

You may find your current  insurer will credit you with the NCB if/ when you take out insurance in your own name but it will only apply to them.. They will not be giving you a NCB certificate that you can use elsewhere as the policy was not in your name. 

That will happen the following year. 

Your current insurer will already know how long you have held a licence as it would be declared on your husband’s insurance for you as named driver. 

When my husband died I was credited with his NCB by the insurance company.

I moved to a cheaper quote the following year once I had a NCB in my own name .

Arunmor

In the first year you are probably best to remain with your current insurer.  After that it will be much easier going forward to shop around when you will have the maximum NCD.  Many companies don't go up to 9 years anyway.  

daivid

Run some dummy quotes using an insurance comparison site. Get quotes with the no claims and without (just edit the first no need to input all details again). You may find there is little or no difference in the premium offered - my no claims allegedly gives me a 90% discount, if I run a quote saying I have zero no claims I can still find insurance at a very similar price (certainly not 10x as much…). Too late for the OP (and meant for anyone else who stumbles across this rather than as a dig) if a couple has dropped down to one shared car switching the insurance holder (and primary driver if it can be honestly said usage is equal) can help both keep their no claims.

Nathanstan1

Hiya new to this app was seeing if anyone is to know that when u put a claim through the insurance and my vehicle is deemed a total loss are the insurance company aloud to take 20% off my statement figure just as it’s been previously a write of but I got the car like that an never had issues with other insurers when claimed 

DullGreyGuy

Nathanstan1 said:

Hiya new to this app was seeing if anyone is to know that when u put a claim through the insurance and my vehicle is deemed a total loss are the insurance company aloud to take 20% off my statement figure just as it’s been previously a write of but I got the car like that an never had issues with other insurers when claimed 

You should really start your own thread.

Yes, it's normal that vehicles that have been total lossed in the past are worth less than the identical vehicle that hasn't and so it impacts the market value and so the settlement when its total lossed for a second time @nathanstan1