No claims bonus
Discussion
it is going to be down to the specifics of individual insurers, but you will probably be able to find one that can work something out with you. They can do all sorts of shenanigans with no claims bonuses it is a bulls
t system.
For example, my insurer gave me a no claims bonus on my 2nd car, which they then increased to match my other car after 2 years, then after a year allowed me to transfer it to my wife. My wife now has 12+ years no claims, despite only having a license about 6-7 years, and only having her own insurance for the last 2 years, and never actually owning a car.
t system.For example, my insurer gave me a no claims bonus on my 2nd car, which they then increased to match my other car after 2 years, then after a year allowed me to transfer it to my wife. My wife now has 12+ years no claims, despite only having a license about 6-7 years, and only having her own insurance for the last 2 years, and never actually owning a car.
It's nothing like that. I think this has been taken slightly out of context. She is buying the car as a present for me due to a birthday milestone. We are an extremely close family. I still want her to own the car as she has paid for it. I simply want to use my NCD to get the insurance down.
Edited by Supercarhypercar on Sunday 4th February 10:48
Supercarhypercar said:
It's nothing like that. I think this has been taken slightly out of context. She is buying the car as a present for me due to a birthday milestone. We are an extremely close family. I still want her to own the car as she has paid for it. I simply want to use my NCD to get the insurance down.
Yes, you can, but you need to explain the situation to the insurer and get their agreement. You need to tell them you wish to insurer the car and use your ncb, and you are the main user, but your daughter is buying the car so her name will be on the V5 as she is the owner and registered keeper. If your daughter is also to be a named driver on the policy, they may not believe you that you are the main user, so may rate it on her age, but if the policy is in your name, you'll still get your ncb off that premium. Edited by Supercarhypercar on Sunday 4th February 10:48
The op can be the rk and probably should be. There is no specific form of paperwork to show ownership. So if you need to show to someone that she owns it just write the arrangement down and both sign it.
For the ins co, in my experience they are pretty flexible wrt ownership and reg keeper when family members are involved. They just need to know the details so they can price it right.
Bert
For the ins co, in my experience they are pretty flexible wrt ownership and reg keeper when family members are involved. They just need to know the details so they can price it right.
Bert
BertBert said:
The op can be the rk and probably should be. There is no specific form of paperwork to show ownership. So if you need to show to someone that she owns it just write the arrangement down and both sign it.
For the ins co, in my experience they are pretty flexible wrt ownership and reg keeper when family members are involved. They just need to know the details so they can price it right.
Bert
Thank you. Your helpful reply is much appreciated For the ins co, in my experience they are pretty flexible wrt ownership and reg keeper when family members are involved. They just need to know the details so they can price it right.
Bert
Assuming the original post wanted some convoluted owner/RK/Insured set up, then it's fine.
The owner/RK/insured can all be different people. All you need to do is explain the true situation to the insurer.
My wife's Insurance says she is neither the owner or keeper. She is the insured person because she drives it the most.
The bit the insurer cares about is who is the main driver of the car. Who owns it doesn't bother them.
The owner/RK/insured can all be different people. All you need to do is explain the true situation to the insurer.
My wife's Insurance says she is neither the owner or keeper. She is the insured person because she drives it the most.
The bit the insurer cares about is who is the main driver of the car. Who owns it doesn't bother them.
Ahbefive said:
Gavia said:
Supercarhypercar said:
I have deleted my initial message from this topic.
Why do people do this? What can you gain from it, other than to look a total wally?
xjay1337 said:
Usually someone quotes the OP at some point... for this exact reason.
Deleting is a relatively pointless process, at least in the short term. Anyone could just Google a thread like this:http://lmgtfy.com/?q=pistonheads+no+claims+bonus
Then when they found the right thread, Google will provide a link URL in green, in this case:
https://www.pistonheads.com/gassing/topic.asp?h=0&...
Just to the right of that there is a pointy down arrow, the inquiring user would left click that and then click "Cached".
REALIST123 said:
Do the insurers care about the ‘main’ user?
My 7 has my son named but me as ‘main’ driver. The premium is high because, the insurer told me, it’s rated on the highest risk driver, main user or not.
That's just one insurer. Certainly when I asked about adding my son onto my wife's policy, (which we ended up not bothering with) there was a large premium to add him as an occasional driver (which is all he would be). They made it clear that if he was going to become the main driver, they didn't want the business at all. Which is absolutely their prerogative. My 7 has my son named but me as ‘main’ driver. The premium is high because, the insurer told me, it’s rated on the highest risk driver, main user or not.
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