NCD transfer after bereavement.

mehefin

My late wife's vehicle was registered to her, and insured with me as a named driver. I am struggling to understand the transfer of NCD to enable the car to be insured in my name. Some companies are indicating that I can use her NCD of 19years. I was always under the impression that NCD related to the person and not the vehicle. Perhaps someone with a lot more knowledge can put me right. Having gone around the 'help' desk route with a couple of companies last week I am now totally confused.
Whatever the outcome I need to get the vehicle insured and taxed asap but if I can save some money by utilising the NCD it would make financial sense.
Thanks for any help.

Car_54

You're right, NCD does usually relate to the policy-holder. However, there are no rules, and it's up to each insurer whether to recognise NCD.

BTW 19 years is a bit of a nonsense. Most don't recognise anything over 9, and years after 4 don't make a lot of difference.

sheslookinhot

<<<  I need to get the vehicle insured and taxed asap >>>

<<< Some companies are indicating that I can use her NCD of 19years.>>>

Why don’t you use one of these companies ?

DullGreyGuy

Motor NCD has some industry norms but there are no laws, regulations or rules that all companies have to follow. It's purely at the discretion of the companies in question if they allow an NCD to be transferred on bereavement or not. 


Unless she passed right at the end of the policy most would speak to their existing insurer and look to transfer the policy into your name for the remainder of it and then when it comes time to renew the proof of NCD in your name will be there. Some insurers won't allow it and require you to buy a new policy and it will come down to their policy on NCD transfer or not. Most people, in my experience tend to stick with their current insurer but in principle you could buy elsewhere but it'll be leg work to find who will and won't accept the NCD transfer as its not a flag you can select on confused.com etc. 

Aretnap

Sorry for your loss.

Ultimately NCD is a marketing gimmick and there are no hard and fast rules about how insurers have to apply it, or even whether they use it at all. You're right that it is usually not transferable from person to person, but many if not most insurers will make a bereavement exception and allow it to be transferred to a spouse or partner where the policyholder has passed away (or is not going to drive again for health reasons etc).

If you've spoken to an insurer and explained the situation, if they say you can use your wife's NCD then you can use it. If your still worried make a note of the time of the call and the name of the person that you spoke to do that you can refer back to it if anyone ever queries it.

mehefin

Thanks everyone for your helpful posts. Its not a situation I ever expected to be in, and with everything else it is just another piece of hassle. I will talk to her insurers again and see what I can wring out of them.

EssexExile

mehefin said:

Thanks everyone for your helpful posts. Its not a situation I ever expected to be in, and with everything else it is just another piece of hassle. I will talk to her insurers again and see what I can wring out of them.

I had this when my wife died last year. I stayed with the same insurance company as it's less hassle and they were great when we needed them, but it cost me!

Best wishes, it's not a great time is it?