Resend my activation email : Register : Log in 
BCF: Bike Chat Forums


Insurance makes my head hurt!

Reply to topic
Bike Chat Forums Index -> Dear Auntie BCF...
View previous topic : View next topic  
Author Message

Easy-X
Super Spammer



Joined: 08 Mar 2019
Karma :

PostPosted: 13:13 - 14 Nov 2019    Post subject: Insurance makes my head hurt! Reply with quote

Okay, apologies but this is yet another insurance one....

I have the old Skoda with 7 years NCD in my name with my wife as named driver. I own the car and my name is on the V5. I will occasionally drive this if I need to lug crap the bike can't handle.

My wife has her new car that she owns (and her name on the V5) which she'll mostly drive. No NCD for either of us on this. She'll mostly be driving it.

Now (deep breath) I'm trying to work out the best deal. Would I be better off transferring the Skoda NCD to the new car, have myself as main driver and the wife as named driver even though I'll only rarely (if ever) drive it or is that no big deal as we're married?

The meerkats are telling me my NCD might get me somewhere between £50 and £150 off a quote. Okay so the new car is cheaper to insure but then I still need to insure the Skoda but I've just used the NCB on another car...

Just to complicate things more I could do with comp insurance on the new car but the Skoda I could probably get away with TPO or TPFT.

I never was good at juggling Crying or Very sad

<addendum> maybe it's worth paying the extra to put the new car down with my wife as primary driver and she can build up her own NCD?
____________________
Husqvarna Vitpilen 401, Yamaha XSR700, Honda Rebel, Yamaha DT175, Suzuki SV650 (loan) Fazer 600, Keeway Superlight 125, 50cc turd scooter
 Back to top
View user's profile Send private message You must be logged in to rate posts

Freddyfruitba...
World Chat Champion



Joined: 20 May 2016
Karma :

PostPosted: 13:30 - 14 Nov 2019    Post subject: Re: Insurance makes my head hurt! Reply with quote

Easy-X wrote:
maybe it's worth paying the extra to put the new car down with my wife as primary driver and she can build up her own NCD?

I'd say so. And for your peace of mind, you also avoid effectively having to lie to your insurers indefinitely about her not being the main driver; they don't like that... if your wife was ever to have a big claim you can be sure they'd look into it, and especially given that between you have two cars, two drivers, two registered owners it wouldn't be rocket science for them to work out what you were doing.
____________________
KC100->CB100N->CB250RS--------->DL650AL2->R1200RS->R1250RS
 Back to top
View user's profile Send private message You must be logged in to rate posts

iooi
Super Spammer



Joined: 14 Jan 2007
Karma :

PostPosted: 13:44 - 14 Nov 2019    Post subject: Re: Insurance makes my head hurt! Reply with quote

Easy-X wrote:
O
My wife has her new car that she owns (and her name on the V5) which she'll mostly drive. No NCD for either of us on this. She'll mostly be driving it.

Would I be better off transferring the Skoda NCD to the new car, have myself as main driver and the wife as named driver even though I'll only rarely (if ever) drive it


Do you think that Ins co's are stupid..

They will twig fronting pretty quickly and revoke the insurance.

Now that will cost you both a lot each year for EVERY ins policy you will be taking out.
____________________
Just because my bike was A DIVVY, does not mean i am......
 Back to top
View user's profile Send private message You must be logged in to rate posts

Polarbear
Super Spammer



Joined: 24 Feb 2007
Karma :

PostPosted: 14:10 - 14 Nov 2019    Post subject: Reply with quote

Why not get multicar with both of you as named drivers? You can use the NC on whichever car you want and build up the NC on another.

A caveat to that though, Direct line multicar is separate policies with a discount. Admiral is (or was when I was with them) all on one policy. Check before you buy.
____________________
Triumph Trophy Launch Edition
 Back to top
View user's profile Send private message Send e-mail You must be logged in to rate posts

Easy-X
Super Spammer



Joined: 08 Mar 2019
Karma :

PostPosted: 14:10 - 14 Nov 2019    Post subject: Reply with quote

Just spoken to Direct Line:

Question: does it matter who is the policy holder and who is the named driver? [I pointed out my wife will be driving the new car more than me]

Answer: no, it makes no difference to us for a husband & wife policy

Question: can I use the NCD from my old car on the new policy? (And then I'd have to start from zero on the old car.)

Answer: yes, you just can't use your NCD on two different cars.
____________________
Husqvarna Vitpilen 401, Yamaha XSR700, Honda Rebel, Yamaha DT175, Suzuki SV650 (loan) Fazer 600, Keeway Superlight 125, 50cc turd scooter
 Back to top
View user's profile Send private message You must be logged in to rate posts

Polarbear
Super Spammer



Joined: 24 Feb 2007
Karma :

PostPosted: 14:17 - 14 Nov 2019    Post subject: Reply with quote

Easy-X wrote:
Just spoken to Direct Line:

Question: does it matter who is the policy holder and who is the named driver? [I pointed out my wife will be driving the new car more than me]

Answer: no, it makes no difference to us for a husband & wife policy

Question: can I use the NCD from my old car on the new policy? (And then I'd have to start from zero on the old car.)

Answer: yes, you just can't use your NCD on two different cars.


The policy holder is the only one allowed to drive someone else's cars. The named person cannot. That's direct line as well.
____________________
Triumph Trophy Launch Edition
 Back to top
View user's profile Send private message Send e-mail You must be logged in to rate posts

ThunderGuts
World Chat Champion



Joined: 13 Nov 2018
Karma :

PostPosted: 14:20 - 14 Nov 2019    Post subject: Reply with quote

Easy-X wrote:
Just spoken to Direct Line:

Question: does it matter who is the policy holder and who is the named driver? [I pointed out my wife will be driving the new car more than me]

Answer: no, it makes no difference to us for a husband & wife policy

Question: can I use the NCD from my old car on the new policy? (And then I'd have to start from zero on the old car.)

Answer: yes, you just can't use your NCD on two different cars.


Result then. As long as they have agreed to it, then it's fine. You might want to clairify about who is accruing NCD though and how that might transfer to another insurer in the future?
____________________
TG.
 Back to top
View user's profile Send private message You must be logged in to rate posts

Easy-X
Super Spammer



Joined: 08 Mar 2019
Karma :

PostPosted: 14:22 - 14 Nov 2019    Post subject: Reply with quote

Polarbear wrote:
The policy holder is the only one allowed to drive someone else's cars. The named person cannot. That's direct line as well.


Interesting to know. My wife isn't likely to be driving other cars. I on the other hand am more likely to need that feature. Thanx!
____________________
Husqvarna Vitpilen 401, Yamaha XSR700, Honda Rebel, Yamaha DT175, Suzuki SV650 (loan) Fazer 600, Keeway Superlight 125, 50cc turd scooter
 Back to top
View user's profile Send private message You must be logged in to rate posts

stinkwheel
Bovine Proctologist



Joined: 12 Jul 2004
Karma :

PostPosted: 14:57 - 14 Nov 2019    Post subject: Reply with quote

Can you not get a husband and wife policy that covers both cars, allowing you to use the NCD for both?

Maybe worth having a word with your existing broker and explaining the situation or contacting a more specialised insurance broker.
____________________
“Rule one: Always stick around for one more drink. That's when things happen. That's when you find out everything you want to know.
I did the 2010 Round Britain Rally on my 350 Bullet. 89 landmarks, 3 months, 9,500 miles.
 Back to top
View user's profile Send private message You must be logged in to rate posts

Easy-X
Super Spammer



Joined: 08 Mar 2019
Karma :

PostPosted: 15:05 - 14 Nov 2019    Post subject: Reply with quote

stinkwheel wrote:
Can you not get a husband and wife policy that covers both cars, allowing you to use the NCD for both?

Maybe worth having a word with your existing broker and explaining the situation or contacting a more specialised insurance broker.


I've looked at a few Multicar quotes and TBH they didn't really save anything. For example, Direct Line was fine for the new car but they wanted ~£250 for the Skoda which I barely drive, isn't worth much and I wouldn't be stuck if I was without it so any old shitty policy will do.
____________________
Husqvarna Vitpilen 401, Yamaha XSR700, Honda Rebel, Yamaha DT175, Suzuki SV650 (loan) Fazer 600, Keeway Superlight 125, 50cc turd scooter
 Back to top
View user's profile Send private message You must be logged in to rate posts

andyscooter
World Chat Champion



Joined: 30 May 2009
Karma :

PostPosted: 09:39 - 16 Nov 2019    Post subject: Reply with quote

since passing my test I have used aviva

cheapest for me anyway but I have both my cars on one policy

my wife is a named driver on both and I can use them both for work use if needed

I looked into having a classic policy on the one but it worked out more expensive anyway
____________________
gilera runner vxr200 (chavped)
if its spelt wrong its my fat fingers and daft auto correct on my tablet
 Back to top
View user's profile Send private message Send e-mail You must be logged in to rate posts

bugeye_bob
World Chat Champion



Joined: 05 Sep 2013
Karma :

PostPosted: 12:25 - 16 Nov 2019    Post subject: Reply with quote

Not sure about which Insurance companies you have rang, But in the past I have got NCD`s mirrored when a partner was on mine,or part,
She technically made a few years as she was only on the policy for a few years but I had 17 yrs NCD at that time, they just gave her 9, which I believe is the maximum discount anyway,
So It may be worth a ring round.
 Back to top
View user's profile Send private message You must be logged in to rate posts
Old Thread Alert!

The last post was made 4 years, 134 days ago. Instead of replying here, would creating a new thread be more useful?
  Display posts from previous:   
This page may contain affiliate links, which means we may earn a small commission if a visitor clicks through and makes a purchase. By clicking on an affiliate link, you accept that third-party cookies will be set.

Post new topic   Reply to topic    Bike Chat Forums Index -> Dear Auntie BCF... All times are GMT + 1 Hour
Page 1 of 1

 
You cannot post new topics in this forum
You cannot reply to topics in this forum
You cannot edit your posts in this forum
You cannot delete your posts in this forum
You cannot vote in polls in this forum
You cannot attach files in this forum
You cannot download files in this forum

Read the Terms of Use! - Powered by phpBB © phpBB Group
 

Debug Mode: ON - Server: birks (www) - Page Generation Time: 0.08 Sec - Server Load: 0.14 - MySQL Queries: 17 - Page Size: 79.06 Kb