NCD as a named driver

[camelot1971]

My wife and I are separating and the car insurance has always been in her name, with me as a named driver. There's 8 years NCD on the policy, does anyone know of an insurance company that takes named drivers into account? The insurance renewal is in July. I'm with Swiftcover at the moment and they said even if I take out a new policy with them the NCD from the old policy is worthless

Cheers.

[LuS1fer]

Some will take it into account, you just need to shop round. Alternatively, buy a classic and take out a classic polcy where NCB is neither used nor accrued.

[cuprabob]

Some companies take into account NCD as a named driver and others don't.

You'll just need to shop around and find the best company for your circumstances.

[Greg_D]

i've just had this exact problem, we have just discovered that my wife's 18 years unblemished record is essentially worthless, apparently, if you go more than 2 years without a car insured in your name, then all your NCB disappears, charming...

In this day and age, surely there has to be a technical method of keeping tally on people's NCB better than a letter from the previous insurer, it would be better for the insurance companies as well because then they wouldn't have to mess around chasing NCB up. it would only need to be an extra line on the MID, surely!!!!!

[cuprabob]

NCD is one of the biggest Scams going.

Most companies have a max NCD of 5 years so anything after that doesn't really matter as even if you have 20 years NCD, an accident brings it down to 3 years NCD as it's 2 years off the max 5 years, not your actual NCD. Even if you have "protected NCD" they just put the premium up to compensate.

All that matters is level of cover and final price.

[Greg_D]

cuprabob said:

NCD is one of the biggest Scams going.

Most companies have a max NCD of 5 years so anything after that doesn't really matter as even if you have 20 years NCD, an accident brings it down to 3 years NCD as it's 2 years off the max 5 years, not your actual NCD. Even if you have "protected NCD" they just put the premium up to compensate.

All that matters is level of cover and final price.

NCD DOES matter.

let's say your premium is £2000, if you have 75% NCD then you pay £500, if you have 0% NCD then you pay £2000

it's that simple

Protected NCD works thus:
if your policy was £2000 and you had a crash, your policy would increase to, say £2,500. if you have protected NCD of 75% then your bill upon renewal would be £625, if you didn't have protected, it would go down to, say 50%, so your renewal would be £1,250.

Quite a difference...

so my wife is now going to be charged the metaphorical £2000 instead of £500, so it does blooming matter.

Also, they are saying that she can't get insured as main driver on her own car because "the engine is too big for someone on 0% NCD"

It's a major clusterfk!!!