no claims protection and new driver

blueye

hi i am learning to drive and it wont be long till i take my test, just wondered, when i am added to my boyfriends insurance as a named driver, if i had an accident would it affect his no claims? he has 4 years so dosent want to lose them should he get them protected

shelly

blueye wrote: »

hi i am learning to drive and it wont be long till i take my test, just wondered, when i am added to my boyfriends insurance as a named driver, if i had an accident would it affect his no claims? he has 4 years so dosent want to lose them should he get them protected

Yes it will affect his NCB.

Its personal choice whether he protects them or not. Some think its worth it, others don't agree.
Personally hubby pays to protect both his sets of full NCB and we think its worth it.

blueye

and how would i build up my own no claims

shelly

blueye wrote: »

and how would i build up my own no claims

There are 2 ways to build up your own NCB.

You can either get your own policy or your bf can change to a company that offers named driver NCB build up. Only problem with building up NCB as a named driver is that when you get your own policy usually the only co that will accept NCB built up in this way is the original company.

You have to weigh up the cost of your own policy starting from scratch with 0 NCB against the cost of a new co for your bf might not be competitive, then you have to take out your own policy with them and they might not be competitive for you.


Iv'e taken this from Direct Line's site to show you what I mean.

****NAMED DRIVER NCD (No Claims Discount)
Direct Line was the first major insurance company in the UK that recognises named drivers’ No Claims history


If you have named drivers on your Direct Line car insurance policy, you (and they) will be pleased to know that we have become the first major insurance company in the UK to offer Named Driver No Claims Discounts.

This means that when we provide your named drivers with a quote for Direct Line car insurance, we’ll recognise every year they haven’t made a claim on your policy.
The no claims discount earned by named drivers can be used against a Direct Line policy of their own in the future. However, it may not be recognised by other insurers.
The named-driver no claim discounts may be lower than the no claim discounts available to you as the policyholder. Once applied to a policy the discount operates in the same way as no claim discount. If a claim is made the discount will be reduced.
Taking advantage of this deal couldn’t be easier. Your named drivers’ no claims histories are automatically stored on our system, so when they come to apply for their own policy they simply need to give us your details online or on the phone and we can identify them immediately, at which point they will be able to receive up to 5 years' Named No Claims Discount on their own policy.****