0 yrs no claim bonus - any tips?

lon_85

Hi everyone

I've been driving 15+ yrs as a named driver on my dad's policy but now i have just bought a new vehicle and realised that I dont have any no claims bonus as I didn't realise that it doesn't accumulate as a named driver  it only builds when you are the primary - online quotes are over £1k but it goes lower to £750 if i put £1k excess - which i don't want to do any ideas for reducing 1st time insurance? (This is after adding my dad as named driver).

BoGoF

Can't help with the number plate issue but some insurers to recognise NCD as a named driver but you would have to stay with the company that your dad insured with initially. Have you checked with that insurer to see?

lon_85

Yes we did check with current insurers but they said car must br registered in my dad's name to add that car to the policy....regardless of who is primary driver 

mebu60

I think what @BoGoF is saying is to ask the current insurers if you took out a new policy with them in your name as the primary driver would they give you some form of introductory no claims bonus to reflect the driving you have been doing whilst as a named driver on dad's policy with them. It is not about adding your car to dad's policy. 

lon_85

Yep I did do a brand new quote with current insurer with me as the primary driver -  they didn't give any discounts, they said they don't offer anything for 0 yrs ncb  :-( quote was £1300.

lon_85

I can't add my car to my dad's policy anyway they don't do multi car - it's only single car. 

lon_85

Did another quote on gocompare £722 is cheapest so far with esure... excess £500

GrumpyDil

What they are saying is have you rung the insurance company your dad's policy was with and asked if they would give you an introductory NCB based on your experience as a named driver. Nothing to do with multicar or adding your car to your dad's policy. 

lon_85

@GrumpyDil - Yes I did that - they don't give any discounts or intro bonuses even as a named driver. Their quote was £1300

I finally bought for £720 with esure as my temp insurance was running out.