Direct Line Insurance named driver no claims discount
Discussion
Hi all, I'm hoping somebody can answer a query i have about this as Direct Line don't seem to have a clue!
I was insured on my mums car as a named driver for 3 years prior to August last year when i became the owner of the car and so transferred the insurance into my name. During the 3 years under my mums policy i was earning the named driver no claims discount that Direct Line offer. The question i have is when i transferred the policy into my name should the 3 years no claims that i had built up have transferred over fully, or do they only count partially? Basically is there a difference between named driver discount and main policyholder discount? The reason I ask is yesterday I rang Direct Line to get a quote on a Mini Cooper S only to be told that i could not get insured as I had less than a years no claims, despite the fact that i have been building up the named driver no claims for 3 years. I rang somebody else to see if they could clarify whether the 3 years counted or not to be told that they do and the first person i spoke to was wrong.
I hope that all makes sense, i'd be really grateful if somebody could answer this for me.
Cheers
I was insured on my mums car as a named driver for 3 years prior to August last year when i became the owner of the car and so transferred the insurance into my name. During the 3 years under my mums policy i was earning the named driver no claims discount that Direct Line offer. The question i have is when i transferred the policy into my name should the 3 years no claims that i had built up have transferred over fully, or do they only count partially? Basically is there a difference between named driver discount and main policyholder discount? The reason I ask is yesterday I rang Direct Line to get a quote on a Mini Cooper S only to be told that i could not get insured as I had less than a years no claims, despite the fact that i have been building up the named driver no claims for 3 years. I rang somebody else to see if they could clarify whether the 3 years counted or not to be told that they do and the first person i spoke to was wrong.
I hope that all makes sense, i'd be really grateful if somebody could answer this for me.
Cheers
This is clever marketing by DL... they didnt make it clear..
I had a similar problem.... "Named driver no claims" is apparently NOT the same as "no claims discount"......
It effectivley gives you a marginal discount on your years first "proper" policy, but after that it means diddly squat!
However, talk to DL again... I needed 3 years NC to drive a car I wanted... I only have 2 proper NC and had been with them for sometime before as a named driver.... they waved the 3 years requirement....
I had a similar problem.... "Named driver no claims" is apparently NOT the same as "no claims discount"......
It effectivley gives you a marginal discount on your years first "proper" policy, but after that it means diddly squat!
However, talk to DL again... I needed 3 years NC to drive a car I wanted... I only have 2 proper NC and had been with them for sometime before as a named driver.... they waved the 3 years requirement....
tegwin said:
This is clever marketing by DL... they didnt make it clear..
I had a similar problem.... "Named driver no claims" is apparently NOT the same as "no claims discount"......
It effectivley gives you a marginal discount on your years first "proper" policy, but after that it means diddly squat!
This.I had a similar problem.... "Named driver no claims" is apparently NOT the same as "no claims discount"......
It effectivley gives you a marginal discount on your years first "proper" policy, but after that it means diddly squat!
Wayne King said:
tegwin said:
This is clever marketing by DL... they didnt make it clear..
I had a similar problem.... "Named driver no claims" is apparently NOT the same as "no claims discount"......
It effectivley gives you a marginal discount on your years first "proper" policy, but after that it means diddly squat!
This.I had a similar problem.... "Named driver no claims" is apparently NOT the same as "no claims discount"......
It effectivley gives you a marginal discount on your years first "proper" policy, but after that it means diddly squat!
DocJock said:
It's not simple though, is it, as the OPs question admirably demonstrates.
DL market this as though the named driver builds up a normal NCD. They do not mention that it is a vastly reduced version. Their marketing is grossly misleading.
That's exactly what i think. As i explained in the opening post i have spoken to 2 different people from Direct Line and both have given me completely different answers. If their own people don't understand it, what hope have we got!DL market this as though the named driver builds up a normal NCD. They do not mention that it is a vastly reduced version. Their marketing is grossly misleading.
DocJock said:
As I understood it when we looked into this, you should be entitled to a normal NCD as long as you stay with DirectLine.
That's the way it was explained to me when I phoned them anyway.
That's how it is explained in all the Direct Line literature, but from some of the replies here i'm not so sure if that is the case.That's the way it was explained to me when I phoned them anyway.
DocJock said:
It's not simple though, is it, as the OPs question admirably demonstrates.
DL market this as though the named driver builds up a normal NCD. They do not mention that it is a vastly reduced version. Their marketing is grossly misleading.
I didnt say it was simple, just that as far as i can remember thats how DL do things. As to their adverts being grossly misleading, yep with you on that, as is their take on employment law, but hey ho i dont work for the theiving fDL market this as though the named driver builds up a normal NCD. They do not mention that it is a vastly reduced version. Their marketing is grossly misleading.
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