NCB is registered keeper, but not policy holder

[Benbay001]

Hi,
What happens to my no claims if i am the registered keeper and a named driver on a policy, but am not the main driver, policy holder or the person who had the crash?

Reason for asking = thinking of giving my girlfriend full use of one of my cars and i would just become a named driver for occasional use.
She is Spanish and has never driven a RHD car before so the chances of a bump occurring are much increased.

I would remain the registered keeper.

Tia
Ben

Edit: title should say "of"

[gazza285]

If it is her policy, then it’s her no claims. If you had a bump in it though, you still need to declare it.

[av185]

Get her a left hooker or trade her for a UK babe.

[Benbay001]

gazza285 said:

If it is her policy, then it’s her no claims. If you had a bump in it though, you still need to declare it.

Thank you!
As i thought then.

av185 said:

or trade her for a UK babe.

This seems logical, I will run the suggestion past her.

[DaveE36]

Remember NCD is with the main driver and claims are with the person driving at the time of the incident.

Years ago when I sold car insurance I sold a policy to a lady whose daughter had written off her last car. The main driver had protected NCD but the named driver had the accident. Insurance Co paid out in full for it. At renewal the main driver had their NCD which they were able to use elsewhere without declaring the accident as the daughter wasn't an additional driver on the new car. The accident was mentioned due to the customer's uncertainty but wasn't used as a rating factor as the driver that had the accident was no longer part of the risk being insured.

[TwigtheWonderkid]

DaveE36 said:

Remember NCD is with the main driver and claims are with the person driving at the time of the incident.

Wrong.

NCB is with the policyholder, regardless of them being the main driver or not (one of the additional drivers could be the main driver) and claims are with the driver who had the accident (who has to declare they've had an accident) and the policyholder (who has to declare a claim was made by on their policy)

[DaveE36]

TwigtheWonderkid said:

DaveE36 said:

Remember NCD is with the main driver and claims are with the person driving at the time of the incident.

Wrong.

NCB is with the policyholder, regardless of them being the main driver or not (one of the additional drivers could be the main driver) and claims are with the driver who had the accident (who has to declare they've had an accident) and the policyholder (who has to declare a claim was made by on their policy)

Don't be obtuse.

Where have I said policyholder? NCD is with the main driver. Yes the details may be sent to the policyholder but it's not them who hold it, although this can be passed between spouses / domestic partners.

There is a need to declare a claim on a previous policy, but tell me an insurance company that would still include it in their rating factor if the driver that had an accident no longer forms part of the risk?

[Mandat]

DaveE36 said:

TwigtheWonderkid said:

DaveE36 said:

Remember NCD is with the main driver and claims are with the person driving at the time of the incident.

Wrong.

NCB is with the policyholder, regardless of them being the main driver or not (one of the additional drivers could be the main driver) and claims are with the driver who had the accident (who has to declare they've had an accident) and the policyholder (who has to declare a claim was made by on their policy)

Don't be obtuse.

Where have I said policyholder? NCD is with the main driver. Yes the details may be sent to the policyholder but it's not them who hold it, although this can be passed between spouses / domestic partners.

There is a need to declare a claim on a previous policy, but tell me an insurance company that would still include it in their rating factor if the driver that had an accident no longer forms part of the risk?

You were wrong then, and you are still wrong.

Perhaps you might want to stop digging yourself into a deeper hole.

[DaveE36]

Would you care to explain? Seems Pistonheads is still full of sanctimonious s. I don't see how someone other than a main driver would hold the NCD unless it's possible for someone to use another's NCD.

[DocJock]

I drive my wife's car more than she does, so I am the main driver on the policy. The policy and the NCD is in her name. Is that simple enough for you?

[Countdown]

DaveE36 said:

Remember NCD is with the main driver and claims are with the person driving at the time of the incident.

Years ago when I sold car insurance I sold a policy to a lady whose daughter had written off her last car. The main driver had protected NCD but the named driver had the accident. Insurance Co paid out in full for it. At renewal the main driver had their NCD which they were able to use elsewhere without declaring the accident as the daughter wasn't an additional driver on the new car. The accident was mentioned due to the customer's uncertainty but wasn't used as a rating factor as the driver that had the accident was no longer part of the risk being insured.

So if my wife (who is a named driver on my Policy) makes a claim can I say at renewal time that I don't have any claims?

[Mandat]

DaveE36 said:

Would you care to explain? Seems Pistonheads is still full of sanctimonious s. I don't see how someone other than a main driver would hold the NCD unless it's possible for someone to use another's NCD.

The NCD applies to the policy, and is held by the policyholder.

Main drivers, named drivers any other drivers are irrelevant to the NCD.

[ging84]

just phone the insurer, be up front about the situation, they will sort it out, they basically couldn't careless who has done what or who will be doing what between spouses, but you need to call them so they can sort the paperwork out at thier end.

[Spitfire2]

DaveE36 said:

Would you care to explain? Seems Pistonheads is still full of sanctimonious s. I don't see how someone other than a main driver would hold the NCD unless it's possible for someone to use another's NCD.

You didn't really work in insurance did you?

[Pothole]

Benbay001 said:

av185 said:

or trade her for a UK babe.

This seems logical, I will run the suggestion past her.

Can you afford to run both?

[TwigtheWonderkid]

DaveE36 said:

Would you care to explain? Seems Pistonheads is still full of sanctimonious s. I don't see how someone other than a main driver would hold the NCD unless it's possible for someone to use another's NCD.

It's perfectly possible for the main driver to benefit from the policyholders ncb. The main driver and the policyholder are often one and the same, but not always.

For a couple of years, my brother, who was a driver on my policy, became the main driver. I disclosed this to insurers as he is younger than me, and they were fine, after charging an additional premium to allow for the fact that he was in his 30s at the time and I'm 10 years older. But I continued to be the policyholder and the ncb was mine. He added to my bonus by being claim free, and had he had an accident, he would have lost my ncb. Meanwhile, his own ncb was on his car, which his wife was using.

Get it now?