Licence surrendered/insurance...
Discussion
Yes he will need to tell the insurers he is not the main driver, not doing so is fronting and fraud.
As he won't hold a UK license he will have to tell them this as well as it is a change of circumstances, I imagine he will be removed form the policy as a driver.
Unfortunately his wife will be the main driver, he will lose his no claims after 2yrs and he'll essentially start from scratch when and if he gets his license back.
Weirdly he maybe able to continue to be the policyholder but not as a driver? Not sure though but he'll have to inform and be taken off the policy as a driver.
As he won't hold a UK license he will have to tell them this as well as it is a change of circumstances, I imagine he will be removed form the policy as a driver.
Unfortunately his wife will be the main driver, he will lose his no claims after 2yrs and he'll essentially start from scratch when and if he gets his license back.
Weirdly he maybe able to continue to be the policyholder but not as a driver? Not sure though but he'll have to inform and be taken off the policy as a driver.
He should tell his insurance company he has had to surrender his licence and that his wife will be the main driver (or even the only driver), but he can continue to have the policy in his name and continue to benefit from the bonus. Many insurers will do a policy where the policyholder is excluded from driving. it's unusual, but not impossible.
If they won't do that, then they will almost certainly allow a transfer of the ncb to his wife for her to use, so the bonus will not be lost.
If they won't do that, then they will almost certainly allow a transfer of the ncb to his wife for her to use, so the bonus will not be lost.
TwigtheWonderkid said:
He should tell his insurance company he has had to surrender his licence and that his wife will be the main driver (or even the only driver), but he can continue to have the policy in his name and continue to benefit from the bonus. Many insurers will do a policy where the policyholder is excluded from driving. it's unusual, but not impossible.
If they won't do that, then they will almost certainly allow a transfer of the ncb to his wife for her to use, so the bonus will not be lost.
This. And the first part I have experience of as I had to surrender my licence and it was about 18 months before I got it back. I was still the policy holder, but my brother was the only driver. Didn't cost me a penny either, but I was not using one of the cut price insurers who charge for everything. If they won't do that, then they will almost certainly allow a transfer of the ncb to his wife for her to use, so the bonus will not be lost.
If the main driver has had their license taken away due to medical reasons and notified by the DVLA, many insurance companies will transfer the NCD between spouses, I know this because it happened to me. My wife was medically not allowed to drive any more and I was the named driver, I have now got her NCB transferred to me as the now main driver. All sorted with one phone call and one letter, no problems and no hassle.
Fish said:
Yes he will need to tell the insurers he is not the main driver, not doing so is fronting and fraud.
As an aside, fronting is nothing to do with insurance between husband and wife (unless one of them is 30 years younger than the other). Fronting is about getting your kid covered on the parent's policy by telling insurers that the kids is an occasional user when they are actually the main user.Even if the OP forgot to tell his insurers he was no longer driving, they would not look upon that omission as fronting or fraud, but just as a bloke with health problems and with a lot on his mind who didn't tell his insurers.
Dog Star said:
I'm surprised that Loon hasn't rocked up with the definative answer by now. I'd suggest PMing him or - heaven forbid - getting your brother to call his insurers.
He's taking a break, flemke or someone hurt his feelings, he has retired to his angry shouting room for a month or 3 This is no different to putting your chauffeur onto your policy, you are the car owner and policy holder you just let them know who the main driver is going to be, NCB is yours, they will want to know the drivers history of points/claims etc. If you get stuck call one of the proper insurance brokers and explain it as per a chauffeurs policy
ging84 said:
He's taking a break, flemke or someone hurt his feelings, he has retired to his angry shouting room for a month or 3
Oh dear. That's a shame, I like reading Loons stuff and he's a great source of insurance related information, but his style can be inflammatory sometimes and from all reports he's a good guy IRL.
Trouble is that when people ask insurance related questions there are twenty different respondents with twenty different replies, many of them haven't a clue. I'd rate his advice over most. I'd therefore stick to my suggestion that the OPs brother calls his insurers.
Just thought I'd follow this thread up, as I've finally sorted it.
My policy was with admiral, but after speaking to them, they were willing to move over 2 off the 11 years ncb I have onto my wife's name.
So I thought I'd try afew other insurers, just to gauge if that was the best I could expect.
After getting this year's renewal, turned out Hastings direct came out cheapest, so rang them up. After getting passed from sales to customer services departments afew time, they agreed they would transfer the full 11 years ncb over (she's only been driving for 6, which I told them, but they said I could still move over the full lot!?).
They did state that this was a 'once only transfer', and that I wouldn't be able to transfer them back onto my name further down the line.
They've requested I provide them a handwritten/signed letter giving my consent for the transfer, so I'm more than satisfied with the outcome.
My policy was with admiral, but after speaking to them, they were willing to move over 2 off the 11 years ncb I have onto my wife's name.
So I thought I'd try afew other insurers, just to gauge if that was the best I could expect.
After getting this year's renewal, turned out Hastings direct came out cheapest, so rang them up. After getting passed from sales to customer services departments afew time, they agreed they would transfer the full 11 years ncb over (she's only been driving for 6, which I told them, but they said I could still move over the full lot!?).
They did state that this was a 'once only transfer', and that I wouldn't be able to transfer them back onto my name further down the line.
They've requested I provide them a handwritten/signed letter giving my consent for the transfer, so I'm more than satisfied with the outcome.
Leroy902 said:
Just thought I'd follow this thread up, as I've finally sorted it.
My policy was with admiral, but after speaking to them, they were willing to move over 2 off the 11 years ncb I have onto my wife's name.
So I thought I'd try afew other insurers, just to gauge if that was the best I could expect.
After getting this year's renewal, turned out Hastings direct came out cheapest, so rang them up. After getting passed from sales to customer services departments afew time, they agreed they would transfer the full 11 years ncb over (she's only been driving for 6, which I told them, but they said I could still move over the full lot!?).
They did state that this was a 'once only transfer', and that I wouldn't be able to transfer them back onto my name further down the line.
They've requested I provide them a handwritten/signed letter giving my consent for the transfer, so I'm more than satisfied with the outcome.
So you have transferred your NCB to your brothers wife for a car you don't own? My policy was with admiral, but after speaking to them, they were willing to move over 2 off the 11 years ncb I have onto my wife's name.
So I thought I'd try afew other insurers, just to gauge if that was the best I could expect.
After getting this year's renewal, turned out Hastings direct came out cheapest, so rang them up. After getting passed from sales to customer services departments afew time, they agreed they would transfer the full 11 years ncb over (she's only been driving for 6, which I told them, but they said I could still move over the full lot!?).
They did state that this was a 'once only transfer', and that I wouldn't be able to transfer them back onto my name further down the line.
They've requested I provide them a handwritten/signed letter giving my consent for the transfer, so I'm more than satisfied with the outcome.
Charlie1986 said:
Leroy902 said:
Just thought I'd follow this thread up, as I've finally sorted it.
My policy was with admiral, but after speaking to them, they were willing to move over 2 off the 11 years ncb I have onto my wife's name.
So I thought I'd try afew other insurers, just to gauge if that was the best I could expect.
After getting this year's renewal, turned out Hastings direct came out cheapest, so rang them up. After getting passed from sales to customer services departments afew time, they agreed they would transfer the full 11 years ncb over (she's only been driving for 6, which I told them, but they said I could still move over the full lot!?).
They did state that this was a 'once only transfer', and that I wouldn't be able to transfer them back onto my name further down the line.
They've requested I provide them a handwritten/signed letter giving my consent for the transfer, so I'm more than satisfied with the outcome.
So you have transferred your NCB to your brothers wife for a car you don't own? My policy was with admiral, but after speaking to them, they were willing to move over 2 off the 11 years ncb I have onto my wife's name.
So I thought I'd try afew other insurers, just to gauge if that was the best I could expect.
After getting this year's renewal, turned out Hastings direct came out cheapest, so rang them up. After getting passed from sales to customer services departments afew time, they agreed they would transfer the full 11 years ncb over (she's only been driving for 6, which I told them, but they said I could still move over the full lot!?).
They did state that this was a 'once only transfer', and that I wouldn't be able to transfer them back onto my name further down the line.
They've requested I provide them a handwritten/signed letter giving my consent for the transfer, so I'm more than satisfied with the outcome.
Sorry, I've obviously not been clear, it's my wife's car, it's always been my wife's car.
I've been the policy holder and MY wife and MY brother as second/third drivers.
I've now had to surrender my licence due to health reasons, and have no idea when I'll get it back, so I've been querying if I could transfer my 11 years ncb onto my wife's name, so she'd be able to use them as the new policy holder, and my brother (who drives the car on the odd occasion) as a second driver. I wouldn't/can't be on the policy because of not holding a licence.
After speaking to afew insurance companies, I've been successful, so I've been able to move over ALL my 11 years ncb over to my wife's name, and she's taken out a new policy with said company (Hastings direct), my brother as a second driver.
I've been the policy holder and MY wife and MY brother as second/third drivers.
I've now had to surrender my licence due to health reasons, and have no idea when I'll get it back, so I've been querying if I could transfer my 11 years ncb onto my wife's name, so she'd be able to use them as the new policy holder, and my brother (who drives the car on the odd occasion) as a second driver. I wouldn't/can't be on the policy because of not holding a licence.
After speaking to afew insurance companies, I've been successful, so I've been able to move over ALL my 11 years ncb over to my wife's name, and she's taken out a new policy with said company (Hastings direct), my brother as a second driver.
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