Long story short my partner wants to get a car but she doesn'thave a no claim bonus. I was wondering if its possible for her to stay gaining no claims years (assuming she doesn't crash) by being second driver or any other interesting trick?
Any clever way to build no claims bonus as second driver
- Thread starter Riva811
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Yes, some companies allow it. However, I'm not sure if they only honour it if the named driver takes out the insurance with them (other insurance companies may not accept it)
EDIT: Admiral do it, have a read here
www.admiral.com
EDIT: Admiral do it, have a read here
No claims bonus: how it gives you a discount - Admiral
In this guide, we explain what no claims bonus is, what discount you can expect, what happens if you make a claim, and much more. Take a look here.
www.admiral.com
Teego
MB Enthusiast
Insurers often give new customers without an NCB a discount.
If she gets her own policy it'll be cheaper if she adds you as a named driver, as long as you have a decent record.
Make sure she gets a sensible car (Yaris type) and doesn't go for bog standard 10000 mile pa if she's only going to do 3 or 4k.
You could also think about a multicar policy from LV or similar.
If she gets her own policy it'll be cheaper if she adds you as a named driver, as long as you have a decent record.
Make sure she gets a sensible car (Yaris type) and doesn't go for bog standard 10000 mile pa if she's only going to do 3 or 4k.
You could also think about a multicar policy from LV or similar.
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My understanding is that the NCD applies to both the driver and the car.
With no car, there's no NCD (or rather, the NCD for this car is already taken by yourself).
That said, as others pointed-out, some companies may offer NCD for named drivers, I do not know.
With no car, there's no NCD (or rather, the NCD for this car is already taken by yourself).
That said, as others pointed-out, some companies may offer NCD for named drivers, I do not know.
I have an Admiral policy like this for my daughter (20 years old, 18 months of driving). Her car policy is in her name so she earns no claims but all 3 cars are covered under the Multicar account, the discount is very good. My no claims is protected as well. The renewal has just gone through and its 500 quid less than last year even with the GT on it as well so I never bothered shopping around.
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So your daughter has her own car then? I think the OP is asking if his wife can clock NCD years while being a named driver on his car (I.e. him and his wife will have one car between them until she gains some NCD and buys her own car).
OP
OP
Riva811
MB Enthusiast
Car can be registered on either I am not that concerned. Might get a fiat 500 or smart for two.
So I guess multicar on the same account but she is sole driver on her car. No way she is driving the CL
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If you buy her a car, then she'll start building up her NCD on that car.Car can be registered on either I am not that concerned. Might get a fiat 500 or smart for two.
So I guess multicar on the same account but she is sole driver on her car. No way she is driving the CL
This will happen regardless of whether you have two separate policies or one multicar policy.
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I had problems after i sold my car , and as i used to drive the wifes little Nissan i was included on the policy .So after 2 years without my own car i lost all my NCB on my insurance . Found this out after i purchased a BMW Z3 and i asked at my local brokers for cover .I had to start from zero NCB again .
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I nearly lost my ncb due it expiring as my classic policy didn't cover ncb and as above I was a named driver.
The wife managed to earn 2 years ncb on the mx5 whilst she was a learner but main driver. Being a learner gives significantly lower premiums than a new driver so this might be an option for some
The wife managed to earn 2 years ncb on the mx5 whilst she was a learner but main driver. Being a learner gives significantly lower premiums than a new driver so this might be an option for some
Doodle
MB Enthusiast
With classic insurance I've normally been able to arrange that while no further years are earned, they are willing to provide up to date paperwork at the end of term so that it doesn't lapse.
Admiral do as you've suggested, but it doesn't appear to be universal, so you'd have to stick to an insurer that honours that policy.
Personally I'm against it as I've been burned by it before, if the second driver gets into an accident, even with NCB protected, it's still a claim against the policy so has to be disclosed and can sting you a couple of hundred quids for the period of years in which you have to disclose such information.
For that reason the wife and I have seperate cars, separate insurance policies, oh and one thing to say about Admiral, you're not allowed to drive your spouse's car under their "you're insured to drive any car and will have third party cover" scheme.
Personally I'm against it as I've been burned by it before, if the second driver gets into an accident, even with NCB protected, it's still a claim against the policy so has to be disclosed and can sting you a couple of hundred quids for the period of years in which you have to disclose such information.
For that reason the wife and I have seperate cars, separate insurance policies, oh and one thing to say about Admiral, you're not allowed to drive your spouse's car under their "you're insured to drive any car and will have third party cover" scheme.
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I have a multi-car policy with Aviva for my car and my wife's car, the Schedule shows the premium cost for each car, my wife had 2 claims on her own car over the past 10 years, and it increased the cost on renewal only on her part of the policy, but not for my car. So I don't think I am disadvantaged by having a multi-car policy (with Aviva).
Also, of the two claims, one was at-fault claim against her own policy, the other was a no-fault claim against the other party's policy (which happened to be also with Aviva), and my wife had protected NCD - the premium increase resulting from each of these claims was very small.
D
Deleted member 149005
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adding the spouse to each other’s car reduced our premium.. so lack of 3rd party cover doesn’t arise.
Shadychris
Active Member
As others have said NCD will expire after 2 years of no policy renewal\transfer of NCD. Its my understanding that NCD relates to the vehicle\policy and not the driver\policy holder, although multicar policies may work slightly differently. The only trick I know, and have done before back in the day (when I didnt have need of a car for a while) was to keep my NCD in place (and accumulating) by insuring a base model Ford Escort 1.1 that was actually sat rotting away in my mates field. It cost peanuts, but instantly paid for itself when I was ready to take out a policy again on a 'real' car as I was then able to transfer the full 60% NCD to it rather than starting from scratch again.
DanSL55
Member
We put my daughter as a named driver on one of our family cars for three years. Then at the end of that, bought her a cheap car. The insurance company gave her an introductory NCB of 3 years - so she effectively racked up NCB simply as a named driver - but it's very much a discretionary / marketing thing, not transferrable. This was with Diamond.
