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PostPosted: Thu Aug 30, 2012 10:06 am 
Old School Grand Master
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Joined: Tue Oct 19, 2010 9:55 am
Posts: 7058
Location: The land of Lea & Perrins
Hiya,

The time has almost come for myself and SWMBO to renew our car insurance.

She's got 4 years no claims and has held her license for 11 years.
I've only been driving for 6 months, and as such have 0 no claims.
I've been the named driver on our car for the past 6 months.

My girlfriend will be the main driver on the policy, and I will be a named driver. I want to earn my own no claims discount as a named driver, and wondered whether anyone else does this, and who you use?

The only quote I've had is from Co-Operative Insurance, and whilst I can earn my own no claims discount as a named driver, the discount is non-transferrable, meaning that the only way I could benefit from it would be by taking out a policy with them when the time comes, which kind of ties me in a little bit!

Aviva and Direct Line both offer named driver no claims, but Direct Line quoted double what Co-Op quoted, and Aviva won't let me earn my own no claims discount unless we have a second car which is also insured through them(!).

I've been in touch with my local insurance brokers and the only company who they deal with who offer a named driver no claims discount is Aviva, so they're out of the question..

Any suggestions greatly appreciated.


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PostPosted: Thu Aug 30, 2012 8:57 pm 
Old School Grand Master
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Joined: Fri Oct 14, 2011 8:41 pm
Posts: 8241
Location: Cumbria
Why do you want to earn your own NCD ? switching genders, my wife has been a named driver on my insurance for the last 17 years or so...no need for her to have any NCD.

Planning on splitting up :)

Shaun


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PostPosted: Thu Aug 30, 2012 9:24 pm 
Old School Grand Master
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Joined: Tue Oct 19, 2010 9:55 am
Posts: 7058
Location: The land of Lea & Perrins
Midlife wrote:
Why do you want to earn your own NCD ? switching genders, my wife has been a named driver on my insurance for the last 17 years or so...no need for her to have any NCD.

Planning on splitting up :)

Shaun


Haha, nothing like that ;)

I'd just like to start to earn my own NCD that's all, so at least if I have to insure a car for myself in future, I'll get it a bit cheaper..


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PostPosted: Thu Aug 30, 2012 11:35 pm 
Gold Trader / PoTM Winner
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Joined: Mon Aug 08, 2011 2:35 pm
Posts: 2785
Midlife wrote:
Planning on splitting up


Barneyballbags wrote:

Haha, nothing like that ;)

I'd just like to start to earn my own NCD that's all, so at least if I have to insure a car for myself in future, I'll get it a bit cheaper..


Ahhh, so planning a midlife crisis then :wink:

G


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PostPosted: Fri Aug 31, 2012 7:26 am 
Old School Grand Master
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Joined: Tue Oct 19, 2010 9:55 am
Posts: 7058
Location: The land of Lea & Perrins
unkleGsif wrote:
Ahhh, so planning a midlife crisis then :wink:

G


Already planned it... Skyline R34 GTR in a few years time. That's why I need all the help I can get when it comes to insurance!


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PostPosted: Fri Aug 31, 2012 8:19 am 
Retro Guru
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Joined: Thu May 06, 2010 1:09 am
Posts: 1186
Location: Midlands
Hi here are a couple of brokers that have always been great for me & the wife.

Surprising what some of the smaller brokers can quote even using the same underwriters :wink:

http://chrisknott.co.uk/car_insurance.html

http://www.adrianflux.co.uk/

My advice it keep getting quotes but it is russian roulette on premium prices, you just give all your info then hold your breath & wait for them to pull the trigger. :lol:


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PostPosted: Fri Aug 31, 2012 9:36 am 
Gold Trader / MacRetro rider
Gold Trader / MacRetro rider
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Joined: Sun Apr 02, 2006 1:03 pm
Posts: 11796
Location: Returning
i had 20 years of ncd up till about 6 years ago when i sold my car and was
only driving wifeys car
i bought a cheap astra last year , the insurance tell me that i have lost all but 2 years ncd

shower of bastards
however this year i'm up to 60%ncd ?


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