View Full Version : A question regarding car insurance
Does anyone know of any car insurance companies that don't require you to send proof of no claims discount?
The reason I ask is coz my car insurance is expiring soon and over the years I have been a named driver with my dad being main policy holder and insurance premium is only £330. With me as policy holder its £1400. :(
Now I know SAGA car insurance don't require people to send proof of no claims discount but they specialise in over 50 plus so I can't be main policy holder there.
I need to somehow get the premium down as insurances are only rip-offs. Its not as if you are going to benefit from it in any way unless you are going to crash your car (but even then why would you make claim with insurance company and increase your premium even further unless other driver is at fault and expensive damage). :)
Lillywotsername
18-01-2007, 04:11 PM
95% of companies will require proof.....
Technically Gurj, if you have only been a named driver then you won't have any N/C/B and your premiums will be high ( unless of course you have been with a company that allows named drivers to build their own n/c/b)
Sorry can't help...... but you have to face the facts on this one. If you are going it alone then it is going to cost.
n13l pm
18-01-2007, 04:18 PM
I wouldnt recommend it mate. Whats to say the insurance company will not check proof/enquire at a later stage, like for example once you made a claim, hence making the insurance void..
Whats the problem in stayng under your dads name? I would find a company that allows named drivers to build their own NCB.
Spirit
18-01-2007, 04:29 PM
Sorry but unless you have been allowed to earn your NCB with your insurer, in your own right, then you have to declare the situation to anyone you are getting a quote from - and as explained above, it's likely to cost you.
As a club, we cannot condone the suggestion of what is technically fraud and likely to invalidate your insurance and the poor sod you may involve if a claim was ever required.
Should I have misunderstood your train of thought here, please advise or the thread will be closed/deleted.
White Lightning
18-01-2007, 05:04 PM
Suggest you bite the bullet and start building up your own No Claims Bonus ... it's going to cost you but we've all been there at some point. I used to pay well over a £1000 a year to insure my modified Rovers.
The reason I ask is coz my car insurance is expiring soon and over the years I have been a named driver with my dad being main policy holder and insurance premium is only £330. With me as policy holder its £1400. :(
If the car is yours and primarily for your use then why bother paying the £330? You're uninsured. The point of "named drivers" is people who will use the car less than the policy holder. If the primary user is not the policy holder then they can refuse to pay out because you have "Obtained a pecuniary advantage by deception". Ie you're committing fraud anyway.
If you can't afford to insure a car then you can't afford the car. It's part of the running cost, just like petrol and oil.
And this is exactly why certificates of NCB entitlement exist. Why should you be able to cheat your way to lower insurance rates when other people can't?
Nutter_John
18-01-2007, 05:23 PM
Welcome to the real world , fraid as Pete says what you are suggesting is bordering on FRAUD and is a criminal offence . It is also one the reasons everybody's insurance cost more is to cover numpty's who can not be arsed to pay or they deceive on claims etc .
Bottom line I pay 745 quid a year which I always pay , I have been driving for 17 yrs never had a fault claim but I PAY .
Can't afford the insurance then you can't afford the car . FULL STOP
If the car is yours and primarily for your use then why bother paying the £330? You're uninsured. The point of "named drivers" is people who will use the car less than the policy holder. If the primary user is not the policy holder then they can refuse to pay out because you have "Obtained a pecuniary advantage by deception". Ie you're committing fraud anyway.
If you can't afford to insure a car then you can't afford the car. It's part of the running cost, just like petrol and oil.
And this is exactly why certificates of NCB entitlement exist. Why should you be able to cheat your way to lower insurance rates when other people can't?
Well, firstly pretty much everyone does it and probably most people on here as well :)
I am not looking to cheat them in any way to be honest. The £330 is with me being named driver so I am of course insured. Whether I am primary user or not , wouldn't really matter as how are they supposed to know ? btw: I don't use the Galant car to work, its for SDP only. I aint nothing to do with not affording it otherwise I wouldnt buy car but just looking to pay low as possible.
I only just interested in knowing if there are companies out there that dont require proff of no.claim but anyhow.......
does anyone know any insurance company that allows the named driver to build up NCB discount?
btw: If a driver has never made a claim for 6 years (like mylsef) but never been a policy holder, does that still mean zero NCB for myself?
Nutter_John
18-01-2007, 05:34 PM
does anyone know any insurance company that allows the named driver to build up NCB discount?
btw: If a driver has never made a claim for 6 years (like mylsef) but never been a policy holder, does that still mean zero NCB for myself?
Directline
YES of course you will have 0 NCB as the policy is not in your name !!!!
Rikki
18-01-2007, 05:36 PM
Yes!
... and currently DirectLine give NCB to named drivers, although I am sure there are catches.
Edit// Doh beaten to it /pan
Lillywotsername
18-01-2007, 05:41 PM
does anyone know any insurance company that allows the named driver to build up NCB discount?
btw: If a driver has never made a claim for 6 years (like mylsef) but never been a policy holder, does that still mean zero NCB for myself?
I know there is one that advertises on tv that named drivers can build their own NCB...cant think what it is now, will come to me in a bit.....Direct line!!
As for your no claims bonus...if you have never been a policy holder then you won't have a n/c/b.
Spirit
18-01-2007, 05:43 PM
From DL's website:
"Direct Line is 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.
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' No Claims Discount on their own policy."
WildCards
18-01-2007, 05:55 PM
Well, firstly pretty much everyone does it and probably most people on here as well :)
Oh, well that's alright then... Try telling your insurance company that when/if you have to claim.
I am not looking to cheat them in any way to be honest. The £330 is with me being named driver so I am of course insured. Whether I am primary user or not,
You are not legally insured if you are using your car outside of the policy terms.
does anyone know any insurance company that allows the named driver to build up NCB discount?
Not off hand i'm afraid, if you look on www.moneysupermarket.com if may have some sort of listing or filter you can use to find the ones you want.
btw: If a driver has never made a claim for 6 years (like mylsef) but never been a policy holder, does that still mean zero NCB for myself?
Not necessarily, some insurance comapnies may take it into account and offer you 1 or 2 years. You'll never get the full 6 years, but anythings better than a kick in the teeth isn't it.
I think I will use Direct Line. In the long run sooner or later I will need to be main policy holder as currently the main policy holder on my car is 76 years old. :)
Interesting that they are the only ones that do it. Normally when one does something, others usually follow.
Spirit
18-01-2007, 06:03 PM
I have done the simple thing and picked up the phone.
Who better to call for advice, than Gary at Lifesure
If you give him a call on 0870 366 1235 (and ask to speak to him) he has a couple of companies who may well take into account your current record and give some sort of discount.
Lillywotsername
18-01-2007, 06:06 PM
I think I will use Direct Line. In the long run sooner or later I will need to be main policy holder as currently the main policy holder on my car is 76 years old. :)
With the age of your father being 76..... I would have thought that would affect you premiums any way. At 76.... your reaction time is alot slower than a younger person.
Have you thought of buying a real banger and building your own N/C/B? That way when you go out on your own you can transfer it over?
richy rich
18-01-2007, 06:56 PM
As all of the above have said if you tell an insurance company that you have ncb when you don't then it is fraud.
and I'm sorry but don't take this the wrong way but don't come any were near me, my family or my car you are not insured
anyway BE honest tell the companies your situation and shop around (do a search on insurance)
when i took out insurance on a van as a second vehicle they gave me 4 years ncb for being a new customer and this is because i had not had a accident in 14yeasrs or so. LET YOUR FINGERS DO THE WALKING
/edited by Spirit
I have done the simple thing and picked up the phone.
Who better to call for advice, than Gary at Lifesure
If you give him a call on 0870 366 1235 (and ask to speak to him) he has a couple of companies who may well take into account your current record and give some sort of discount.
I will give em a try tommorrow. Will I need to mention your name when speaking to Gary?
As all of the above have said if you tell an insurance company that you have ncb when you don't then it is fraud.
and I'm sorry but don't take this the wrong way but don't come any were near me, my family or my car you are not insured
anyway BE honest tell the companies your situation and shop around (do a search on insurance)
when i took out insurance on a van as a second vehicle they gave me 4 years ncb for being a new customer and this is because i had not had a accident in 14yeasrs or so. LET YOUR FINGERS DO THE WALKING
/edited by Spirit
aye?
I have always been insured on every car I have driven and I have never once said I was looking to lie to a insurance company. :)
Oh and I live 200+ miles away from there so you will never have any worries :)
Spirit
18-01-2007, 08:51 PM
I will give em a try tommorrow. Will I need to mention your name when speaking to Gary?
Yeah, just say Pete from CVR4 told you to call.....he is expecting the call.
ok cool - cheers spirit. whats his surname as I imagine they may have more then 1 gary working there
Spirit
18-01-2007, 08:54 PM
ok cool - cheers spirit. whats his surname as I imagine they may have more then 1 gary working there
There is only one Gary......they are a small specialist broker.
White Lightning
18-01-2007, 10:38 PM
Well, firstly pretty much everyone does it and probably most people on here as well :)
Sorry but that's a load of rubbish. I do not know of anyone else on this forum who would think of doing such a thing. I've spent years paying through the nose for insurance and now we do on my others halfs car as she has started driving too. It's because of uninsured drivers that our premiums are so high.
And regardless of what you say at the end of the day your father does not use your Galant more than you so you have to , by law , be the main policyholder otherwise you are not insured. End of.
Well, firstly pretty much everyone does it and probably most people on here as well
No. A few people do it. Similarly, a few people rob banks and a few people commit murder. All of these things are illegal and "other people do it" does NOT wash.
I am not looking to cheat them in any way to be honest.
Yes you are. You yourself said that with the policy in your name it would be £1400, and with it in someone else's name it's £330. That sounds very much like cheating them to me.
The £330 is with me being named driver so I am of course insured.
No, you're not necessarily insured. Because you are the primary driver of the vehicle you have misrepresented the risk to the insurance company and this invalidates your insurance.
Whether I am primary user or not , wouldn't really matter as how are they supposed to know ?
Ahh, so now you do seem to accept that you're lying to them, but "how do they know?" means it can't hurt.
btw: I don't use the Galant car to work, its for SDP only.
Irrelevant.
I aint nothing to do with not affording it otherwise I wouldnt buy car but just looking to pay low as possible.
I'm not entirely sure what this is meant to mean... the triple negative to start with makes it very hard to understand. If you want to pay as low as possible don't bother paying them at all, because it's no more illegal than what you're already doing
btw: If a driver has never made a claim for 6 years (like mylsef) but never been a policy holder, does that still mean zero NCB for myself?
I have been a named driver on one of my parent's cars since I was 17 (and still am). When I bought my car when I was 21 I had to start my own NCB from scratch. Just like you will have to.
g6acb
18-01-2007, 11:22 PM
The one thing that hasn't been clarified here is whether the car is registered in gtz's name or his Dads - if its registered in his Dads name , with Dad as the main policy holder but gtz being the main user then that is a bit of a murky water thing...... but Insurance companies arn't renowned for being lienient
However if gtz is the registered owner, Dad is policy holder and gtz as a named driver who in reality uses the car the most then there isn't an Insurance company in the land that would uphold a claim if discovered..... Insurance companies have a name for it.... its called 'Fronting'
I had to put up with a grot box 1.0l fiesta for a few years, then a 1.3 Mitsu Colt to build up no-claims bonus to the point where I could afford to insure a Galant - I'm sure many other have done similar
The ownership of the car doesn't matter. If the primary user is not declared as such on the insurance (which is by definition the policy holder) then it is fronting.
Nutter_John
18-01-2007, 11:39 PM
Issac most companys will ask when taking out a policy are you the registered keeper , by saying no then a lot of company's will not touch you .
Kieran
18-01-2007, 11:46 PM
I had to put up with a grot box 1.0l fiesta for a few years, then a 1.3 Mitsu Colt to build up no-claims bonus to the point where I could afford to insure a Galant - I'm sure many other have done similar
'Tis true. The 'Bug' as I named it (my Fiat Cinquecento Sporting) was the car I thrashed, thrashed, thrashed..... Err.....:inquisiti .... thrashed and then, just for good measure, I thrashed it a little bit more! /Devil5 But, it did it's job, got me to work, took us all over the shop - and earned me valuable no claims bonus - that NCB now allows me to insure a car that at 19, I've never ever dreamt of owning!
Gurj... YOU may be prepared to 'wing' it... But think about it this way...
You're driving along, stop at a set of traffic lights and some guy drives straight into the back of your Galant. You suffer neck injuries and the car's completely trashed. The insurance Co ask why YOU (as the second driver) had the car... and how often you use it..... There then follows a few dark and very stressful weeks for you as the insurance co decide wether or not you've breached your policy. In the meantime, you've had to cough up the excess, your neck puts you off work for a fortnight (no payout for physio) and you also have to suffer the wrath of your family (even though it wasn't your fault!) and then you get a letter saying that your insurers have decided that................. Could you deal with all that Aggro?
Or, even worse and I wouldn't wish this on anyone - But it happens, and it happened to my old boss.... You're driving along and a kid runs out from inbetween two parked cars. You hear a terrible *WHACK* as child hits the car. To your relief, they howl in pain, signalling that they're not fatally injured, but their arm looks pretty bad and there's blood pouring from a nasty head wound. The frantic mother comes out shrieking, the coppers turn up and the pararmedics cart the kid off to hostpital.... Meanwhile you're left with distressed parents/neighbours/relatives and the coppers, and you have to cough up your details... Could you look them in the eye and say that you're not the main driver?
This is one of those times where you need to do the right thing.
Indeed john, but either way lying about the primary user of the car means the insurance is invalidated, regardless of who is the registered keeper.
Nutter_John
18-01-2007, 11:59 PM
Indeed john, but either way lying about the primary user of the car means the insurance is invalidated, regardless of who is the registered keeper.
No question about that at all , dodgy is dodgy
Gurj a thought for you to ponder on before opening a can of worns like this again , please think before you open a thread because i do believe that this one has had most people attacking you ( with good reason) .
Anyway relax deep breath and pay the bloody insurance - in the long run it will get cheaper
Kieran
19-01-2007, 12:04 AM
Gurj a thought for you to ponder on before opening a can of worns like this again , please think before you open a thread because i do believe that this one has had most people attacking you ( with good reason) .
Anyway relax deep breath and pay the bloody insurance - in the long run it will get cheaper
Yes - I think that's perhaps a good way to draw a line under this thread. It's a fecker Gurj and £1400 is expensive. But shop around and that will come down. You're a member so Lifesure and Sky Insurance offer discounts, and Admiral are also very good with young drivers (on the assumption that you're under 25) provided the car is near standard.
I am not the main user of the Galant. I have 2 cars. Galant and Colt. I use the colt to work everyday and Galant only on weekends and that too only on some W/Es. I never said I was the main user of the Galant. However, with insurance needing renewing soon, I am now looking to switch over - thats what I have been enquiring about. Nowhere have I said I use the Galant more then Policy holder.
Sometimes I might use the Galant to work if there is a problem with the Colt but again, it doesnt make me the main user of the car.
richy rich
19-01-2007, 08:41 AM
I only just interested in knowing if there are companies out there that dont require proff of no.claim but anyhow.......
if you are not looking at bending the truth then why do you need this.
White Lightning
19-01-2007, 10:28 AM
So who is the main user of the Galant ?
Then surely you've built up your NCB on the colt?
And primary user does not mean that you use it as your main car (which in mileage you might argue is the colt), but that you use the car more than anyone else.
Rikki
19-01-2007, 12:12 PM
Everyone has to pay it whether they want to or not, its a matter of being legal or not.
My first year was £1500 when i was 18, as said we have all started off with the big cost but you have to do it to save money in the long run.
Paul Beazer
19-01-2007, 12:43 PM
Gurj, DONT DO IT! Lying about or withholding information from insurance compabies will invalidate your insurance. If you had an accident you could be done for having no insurance and the insurance company woud do you for fraud.
There isnt really much you can do about the cost of insurance premiums other than shop around. My first car at 25 was a 1987 Mk1 Ford Sierra 1.8L oxide carrier and i was paying £600 a year! That was only 9 years ago.
One of the reasons i didnt buy a VR4 2 years ago was the cost of insurance, i couldnt justify it then and i probably cant now!
You age and you sex are against you and there aint a damn thing you can do about it! Insurance companys view you as a BIG RISK. You're in your early 20's, male driving a big fast car, big risk (nothing personal, just how insurance companies view you).
Is the colt insured in you name? If so then any NCD from the Colt should apply to the galant (NCD is for the driver, not the car / insurance company and will be recognised by alternative insurers)
And Kieran 19? NEVER!
Kieran
19-01-2007, 12:48 PM
And Kieran 19? NEVER!
Eh? I'm only 27 now!:speechles
Paul Beazer
19-01-2007, 01:36 PM
that NCB now allows me to insure a car that at 19, I've never ever dreamt of owning!
Think i've misinterpreted your comment, anyway, back to the soapboxes!
Lillywotsername
19-01-2007, 02:00 PM
Is the colt insured in you name? If so then any NCD from the Colt should apply to the galant (NCD is for the driver, not the car / insurance company and will be recognised by alternative insurers)
Paul...
A N/C/B can only be applied to 1 vehicle per person ( unless you have a company vehicle ie like Richard who has no claims on both, because the business is entitled to its own n/c/b)
So on that score regardless on how many cars you own, you should only get n/c/b on one car.
Thats what I have been told by insurance companies..... Please correct me if I am wrong.
Throbbe
19-01-2007, 02:17 PM
So on that score regardless on how many cars you own, you should only get n/c/b on one car.
Thats what I have been told by insurance companies..... Please correct me if I am wrong.
Generally no, but Highway applied my ncb to both of my cars. Not sure if any others do.
Lillywotsername
19-01-2007, 02:19 PM
Generally no, but Highway applied my ncb to both of my cars. Not sure if any others do.
Thats interesting..... we are with highway as well.
Never heard of it before....:2thumbsup
White Lightning
19-01-2007, 02:21 PM
Think Direct Line have started offering that recently aswell.
Paul Beazer
19-01-2007, 03:00 PM
Paul...
A N/C/B can only be applied to 1 vehicle per person ( unless you have a company vehicle ie like Richard who has no claims on both, because the business is entitled to its own n/c/b)
So on that score regardless on how many cars you own, you should only get n/c/b on one car.
Thats what I have been told by insurance companies..... Please correct me if I am wrong.
Didnt know that, not that im ever likely to own 2 cars!
if you are not looking at bending the truth then why do you need this.
I was under the impression that NCD included no.of years claim free including named drivers until someone much later in this thread responded that it wasn't. So the original thread was intended to ascertain if any company is out there that dont require proof of no cliam so I could state 6 years which is the number of years I have made no claim. Only that much later someone said it only works for policy holders only. That is why I then said after somebody mentioned Directline do consider named drivers for NCB I replied "I will consider them"
I have owned the Colt for 1 year so not much is going to come out of that and insurance is only £380 for that with me as policy holder since insurance group is only 4 on that car which is good. Galant is something like 15 I think.
I have signed up with Directline now so I will be using that to built up NCB for the Galant.
Paul Beazer
19-01-2007, 04:55 PM
Cool, 'fraid its the only way. Like all things in life, the best are worth waiting for......
AncientOfMu
19-01-2007, 05:39 PM
Thats interesting..... we are with highway as well.
Never heard of it before....:2thumbsup
Im with highway through a broker and they do the same for me. 9yrs NCB for both my mitsi's.
Spirit
19-01-2007, 06:55 PM
I have signed up with Directline now so I will be using that to built up NCB for the Galant.
What happened with Lifesure ?
I called them, it was expensive quote. I didn't get through to "Gary" as I was asked "what is it regarding" and when I said for car insurance quote, the lady said "I can do that".
Spirit
19-01-2007, 08:50 PM
How expensive compared to DL ?
I think it was about £135 difference. Definately over £100 though. Plus with Directline named drivers are rewarded as well. :)
The Vee
19-01-2007, 09:51 PM
So are you saying you're still the named driver on the Galant, but now your "father's" policy is with Directline
Kieran
19-01-2007, 09:51 PM
So are you saying you're still the named driver on the Galant, but now your "father's" policy is with Directline
I was wondering that, Andy....:thinking:
So are you saying you're still the named driver on the Galant, but now your "father's" policy is with Directline
Yes :)
But bear in mind......
1. I don't use the Galant that often. Maybe once or twice a week (weekends only). I am policy holder of a different car that I use for work.
Nothing wrong there I don't think
2. The reason for using direct line is 1. it will help in the long run in building NCB as named driver on this policy whilst at the same time my insurance premium is lower at the moment (based on quote given). 2. Eventually I can be policy holder for the Galant few years time but that all dependant on if we stick with the Galant in the future.
Spirit
19-01-2007, 10:20 PM
Eventually I can be policy holder for the Galant few years time but that all dependant on if we stick with the Galant in the future.
And of course, staying insured with DL presumably or will DL issue notice of NCB to other companies for named drivers ?
Yeah, I think thats what they do.
When my other cars insurance expires, I might also use DL then as well.
White Lightning
19-01-2007, 10:43 PM
So who is the main user of the Galant ???
Kieran
19-01-2007, 11:31 PM
1. I don't use the Galant that often. Maybe once or twice a week (weekends only). I am policy holder of a different car that I use for work.
Nothing wrong there I don't think
Indeed not.... PROVIDED that your dad (or whoever) uses the car more than you do.
Paul Beazer
20-01-2007, 12:49 AM
I think thats the crux of the matter Gurj, as long as your dad drives the galant MORE frequently than you do, you should be ok? Yes peeps?
Lillywotsername
20-01-2007, 09:19 AM
I think thats the crux of the matter Gurj, as long as your dad drives the galant MORE frequently than you do, you should be ok? Yes peeps?
Yes Paul....:2thumbsup
White Lightning
20-01-2007, 10:37 AM
I think thats the crux of the matter Gurj, as long as your dad drives the galant MORE frequently than you do, you should be ok? Yes peeps?
Yes, that's right Paul.
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