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    • Worrier66
    • By Worrier66 15th Apr 18, 8:26 PM
    • 10Posts
    • 14Thanks
    Worrier66
    New driver and no claims query
    • #1
    • 15th Apr 18, 8:26 PM
    New driver and no claims query 15th Apr 18 at 8:26 PM
    Hi my neice had a provisional licence up until Aug 17 when she passed her test her insurance was with same company on provisional licence, she is now up for renewal so does she say she has 1 years no claims or it is 0 years no claims.

    Any one advice please

    Thanks
Page 1
    • ValiantSon
    • By ValiantSon 15th Apr 18, 8:38 PM
    • 2,537 Posts
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    ValiantSon
    • #2
    • 15th Apr 18, 8:38 PM
    • #2
    • 15th Apr 18, 8:38 PM
    If she held the insurance as the policyholder for a full year then she has one year's NCD. It doesn't matter that for part of that time she only had a provisional licence. Her renewal notice from the insurer should show that she has one year NCD.
    • Worrier66
    • By Worrier66 15th Apr 18, 8:40 PM
    • 10 Posts
    • 14 Thanks
    Worrier66
    • #3
    • 15th Apr 18, 8:40 PM
    • #3
    • 15th Apr 18, 8:40 PM
    If she held the insurance as the policyholder for a full year then she has one year's NCD. It doesn't matter that for part of that time she only had a provisional licence. Her renewal notice from the insurer should show that she has one year NCD.
    Originally posted by ValiantSon
    oh thanks for that we were thinking you had to have passed your test and have a full year.

    • Worrier66
    • By Worrier66 15th Apr 18, 8:47 PM
    • 10 Posts
    • 14 Thanks
    Worrier66
    • #4
    • 15th Apr 18, 8:47 PM
    • #4
    • 15th Apr 18, 8:47 PM
    If she held the insurance as the policyholder for a full year then she has one year's NCD. It doesn't matter that for part of that time she only had a provisional licence. Her renewal notice from the insurer should show that she has one year NCD.
    Originally posted by ValiantSon
    the renewal notice has not yet arrived and we want to do comparison as she is currently paying 1500
    • ValiantSon
    • By ValiantSon 15th Apr 18, 8:59 PM
    • 2,537 Posts
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    ValiantSon
    • #5
    • 15th Apr 18, 8:59 PM
    • #5
    • 15th Apr 18, 8:59 PM
    the renewal notice has not yet arrived and we want to do comparison as she is currently paying 1500
    Originally posted by Worrier66
    When is her renewal date? I wouldn't advise switching until she is due to renew as if she does then she won't earn any NCD. She should receive her renewal notice a few weeks before the renewal date, and then would be a good time to do comparisons. Of course, if you just want to get a sense of possible costs, then you could always run a comparison now with one year NCD (not using exactly the correct details, e.g. use a made up name and a different house number, but same post code, and don't give the car registration, but rather identify the model). This would give you a sense of what she might have to pay, but it won't be completely accurate as prices change all the time.
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