Will any insurer give me NCD in these circs:

scurryfunge

I have been a named driver on my dad's insurance since February 2021. I would spend about 4 months a year there each year and would be the main driver when there. I've been the only driver since he died in december 2024. I do not own my own car. Apparently if I was his spouse I could transfer but not as his daughter.

Woodstok2000

You will have built up ncd since he passed away and you got your own policy, but you may not have built up any ncd from before that when you were a named driver, it depends on the insurer.

Some insurers do allow named drivers to build up ncd (admiral and Churchill definitely used to, although im not sure if they still do) but it was generally only recognised by them so you couldn't use it with another insurer.

Herzlos

How has it been insured since December 2024? Who owns the car?

Some insurers will allow named drivers under their policies to become the main driver, but you'd need to check with them. Realsitically if the policy has been in your name since December 2024 you're already getting 1 years NCD. If it's not in your name then you need to sort that.

MyRealNameToo

https://forums.moneysavingexpert.com/discussion/6660906/will-any-insurer-give-me-ncd-in-these-circs

You would have had to speak to the insurer at the time of his passing. Ultimately there are no industry rules or laws about these things and it's down to individual firm's decisions. As you say many will transfer an NCD to a spouse as it's fairly common. Maybe some will pass it to a child on the policy but it's a much less common scenario.

Some do give NCD to ND as standard but typically this can only be used to buy a policy with them and won't be honoured by other insurers. It became a less common thing when others did start accepting it and therefore it did create the tie in that insurers were hoping for.

Given you said he died over a year ago now its kind of water under the bridge and you are presumably insuring it in your own name and already building your own NCD

Frozen_up_north

https://forums.moneysavingexpert.com/discussion/6660906/will-any-insurer-give-me-ncd-in-these-circs

I think you will find you are not insured on the insurance of someone who has died. You can probably only drive the car with their permission…

Ask the insurance company before getting behind the wheel again.

We were unable to legally move a deceased relative’s car due to them not being able to give us permission to drive it, after phoning our insurance company and theirs, we gave up and asked a garage to move it on trade plates.

Bigphil1474

Sorry bud, but that's nonsense. When someone dies, their possessions and what happens to them would normally fall to the executor of the estate to deal with, which may be a family member or a solicitor. The executor can give permission for the vehicle to be moved, or sold, or scrapped. Anyone with cover for other vehicles could have driven it away. There would also be no proof as to who owned it, the V5C only identifies the registered keeper.

OP, sounds like you have continued to drive as a named driver on your deceased parents insurance which you shouldn't have.

Car_54

https://forums.moneysavingexpert.com/discussion/comment/81934071#Comment_81934071

That is also nonsense. The OP's parent died 15 months ago, so she must have taken a policy in her own name by now.

Frozen_up_north

sorry Phil “Anyone with cover for other vehicles could have driven it away”. Not so, they can only drive with the permission of the owner, which a deceased owner cannot give, neither can the executor unless the car is transferred to them first.

We spent half a day phoning insurance companies to no avail, it’s not something I made up. Hence why we used a garage and trade plates to move it.

Bigphil1474

Not true bud. A deceased owner doesn't have to give permission. The executor acts on behalf of the estate. The V5C that you think has to be transferred over, does not, and it does not indicate in anyway who the owner of the vehicle is, so is completely irrelevant.

@car54 why is she asking if she can get NCB if she has had her own policy since 15 months ago? I'm no Hercule Poirot but if she had her own policy, she would have at least 1 years NCB by now?. Her story sounds more likely that she is still using the car (as she says she doesn't own her own), and she also says she is the only driver since he died.

Mildly_Miffed

https://forums.moneysavingexpert.com/discussion/6660906/will-any-insurer-give-me-ncd-in-these-circs

Has it been with the same insurer in all that time?

If so, then they may be willing to give you a discretionary marketing discount.

Otherwise… no. You have zero NCD. Only the policyholder builds NCD, and not named drivers.

I can see how the policy might have auto-renewed after his death, and I guess that the policy is heading for renewal now - you've realised that it needs sorting properly, and not just letting roll-over on demonstrably details again. You're lucky no claim was made, because you may have been left without insurance if the insurer would not have covered you in your own right.

sheramber

https://forums.moneysavingexpert.com/discussion/comment/81934114#Comment_81934114

When my aunt died her son was allowed to drive under her insurance as executor.

Similarly, when my husband died I became main driver under .an executry policy for the next 11 months until the end of the policy year.

my son was added as a named driver on the executry policy.