Direct Line Insurance named driver no claims discount

Direct Line Insurance named driver no claims discount

Author
Discussion

eljordo

Original Poster:

73 posts

162 months

Sunday 7th March 2010
quotequote all
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

tegwin

1,592 posts

146 months

Sunday 7th March 2010
quotequote all
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....

Wayne King

1,100 posts

133 months

Sunday 7th March 2010
quotequote all
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.

eljordo

Original Poster:

73 posts

162 months

Sunday 7th March 2010
quotequote all
Damn, i thought that might be the answer. I'll ring them once more just to confirm, but looks like that's 3 years no claims down the drain!

Thanks for your help.

Wayne King

1,100 posts

133 months

Sunday 7th March 2010
quotequote all
eljordo said:
Damn, i thought that might be the answer. I'll ring them once more just to confirm, but looks like that's 3 years no claims down the drain!

Thanks for your help.
No it is not, you wern't the policy holder. Simple.
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snowy slopes

28,675 posts

127 months

Sunday 7th March 2010
quotequote all
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.
Sounds about right from what i can remember from when i worked for them, but its a long time ago

DocJock

5,771 posts

180 months

Sunday 7th March 2010
quotequote all
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.

eljordo

Original Poster:

73 posts

162 months

Sunday 7th March 2010
quotequote all
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!

DocJock

5,771 posts

180 months

Sunday 7th March 2010
quotequote all
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.

eljordo

Original Poster:

73 posts

162 months

Sunday 7th March 2010
quotequote all
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.

i remember

3,296 posts

126 months

Sunday 7th March 2010
quotequote all
This happened to me, lost a years no claims basically. When your young this makes a fking massive difference frown

snowy slopes

28,675 posts

127 months

Sunday 7th March 2010
quotequote all
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 fkers anymore

tonker

55,635 posts

188 months

Sunday 7th March 2010
quotequote all
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.
is it. This seems fairly clear. It's kind of obvious the discount is going to be X% of sod all...

..........


NAMED DRIVER NCD (No Claims Discount)
Direct Line was the first major insurance company in the UK that recognises named drivers’ No Claims history

If you have named drivers on your Direct Line car insurance policy, you (and they) will be pleased to know that we have become the first major insurance company in the UK to offer Named Driver No Claims Discounts.

This means that when we provide your named drivers with a quote for Direct Line car insurance, we’ll recognise every year they haven’t made a claim on your policy.

The no claims discount earned by named drivers can be used against a Direct Line policy of their own in the future. However, it may not be recognised by other insurers.

The named-driver no claim discounts may be lower than the no claim discounts available to you as the policyholder. Once applied to a policy the discount operates in the same way as no claim discount. If a claim is made the discount will be reduced.

Taking advantage of this deal couldn’t be easier. Your named drivers’ no claims histories are automatically stored on our system, so when they come to apply for their own policy they simply need to give us your details online or on the phone and we can identify them immediately, at which point they will be able to receive up to 5 years' Named No Claims Discount on their own policy.

More details on Direct Line car insurance.