- This topic has 13 replies, 8 voices, and was last updated 4 months, 1 week ago by
.
- Topic
Hello. My wife is nominated driver for our disabled child. They have provided her with proof of 6 years no claims discount. She will be continuing to use the mobility car.
we have purchased another vehicle which will be used for the dog walks etc.
Does anyone know of any insurance companies that would allow her to use this NCD on another vehicle?
Thanks
- Replies
I believe that the majority of insurers will now allow NCD built up with a Motability car but the last time I looked some only allow a maximum of 3 years (although that’s enough to give the biggest discount). Unfortunately this is difficult to establish on price comparison websites and you may need to phone around, which itself is a challenge as many are now online only 🙄
Thanks for replying. Is that the case though if still using Motability car alongside own private vehicle?
I left Motability for a year in 2017-18 and used the “Good Driver” 5 year NCD with LV insurers.
To get over what Glos Guy said about comparison sites, I use one, can’t remember what one but doesn’t matter, but use a comparison site, find the best deal for you stating you have 5 years NCD then once your happy with a price keep the link to the chosen insurers open while you give them a quick ring to ask if they will accept the “Good Driver” letter and if they do, press the buy now button and that’s it.
That’s how it worked for me and I don’t recall them ever coming back to me for a copy of the letter so assume its all in the insurers data bases.
You should always try more than one comparison site.
The prices are different for the same companies and the same cover as some of the sites make deals with specific insurers.
I saved £70 on my bike insurance and £120 on my second car for the same policies showing on confused and compared the market. Even checking the small print
No you can’t use it, I’m afraid. Each ‘new’ vehicle that an individual buys will start with NIL NCD. Likely you could find an insurer to mirror the NCD if driving is restricted to insured only or insured & spouse
When you get your quote from a comparison site, you still need to go to the insurance company’s site and fill in the details again, or check that they are correct. Regarding the NCD. Often, there is another box asking how you acquired this, and Motability is often an option you can select.
EX30 SMER Ultra
No you can’t use it, I’m afraid. Each ‘new’ vehicle that an individual buys will start with NIL NCD. Likely you could find an insurer to mirror the NCD if driving is restricted to insured only or insured & spouse
As several people have already said (and done), you can use NCD built up on Motability cars on private insurance. Where on earth do you get the idea that you get NIL NCD with every new car. That is nonsense.
Glos Guy said “As several people have already said (and done), you can use NCD built up on Motability cars on private insurance. Where on earth do you get the idea that you get NIL NCD with every new car. That is nonsense.”
Sorry, I have to disagree with this. Yes, you can build up NCD on your Motability car, get a letter confirming this and have an insurance company allow you this NCD on a private car BUT this is where you’re leaving the scheme. You cannot use your current NCD on more than one vehicle at a time. I’ve had this situation frequently in the past and, when you look into it thoroughly, what I’m saying is true. Personally I think this is the usual insurance rip off. It’s your NCD and you can only drive one vehicle at a time but I’ve never found an insurance company who will allow this double use. Sorry.
Glos Guy said “As several people have already said (and done), you can use NCD built up on Motability cars on private insurance. Where on earth do you get the idea that you get NIL NCD with every new car. That is nonsense.” Sorry, I have to disagree with this. Yes, you can build up NCD on your Motability car, get a letter confirming this and have an insurance company allow you this NCD on a private car BUT this is where you’re leaving the scheme. You cannot use your current NCD on more than one vehicle at a time. I’ve had this situation frequently in the past and, when you look into it thoroughly, what I’m saying is true. Personally I think this is the usual insurance rip off. It’s your NCD and you can only drive one vehicle at a time but I’ve never found an insurance company who will allow this double use. Sorry.
@NFI70 said “Each ‘new’ vehicle that an individual buys will start with NIL NCD”.I took that literally to mean any ‘new’ car purchased, rather than ‘additional’ car, which is perhaps what he meant to say, so if I misunderstood then I apologise.
@Glos Guy
What you’re saying makes sense. I was looking at it from the question posed by the OP, not NF170’s post which I agree could be taken both ways. I believe the NCD should be based solely on the driver’s history. The driver is the risk so I think anyone who is lucky enough to be able to have a second car shouldn’t be penalised for it. However, insurance companies are a bit of a cartel and seek out every opportunity to pad our premiums. Cheers 🍻.
@Glos Guy What you’re saying makes sense. I was looking at it from the question posed by the OP, not NF170’s post which I agree could be taken both ways. I believe the NCD should be based solely on the driver’s history. The driver is the risk so I think anyone who is lucky enough to be able to have a second car shouldn’t be penalised for it. However, insurance companies are a bit of a cartel and seek out every opportunity to pad our premiums. Cheers 🍻.
Thanks for clarifying Peter. It’s a minefield and I suspect that different insurance companies may take different views on these things. As we know, if people leave the scheme, most insurers will now honour NCD on a new or used private purchase (or lease). Equally, there are thousands of people who have more than one car (away from the scheme) and they will have multi-car policies where their NCD applies to all the cars. I guess that the only way find out whether an insurer will allow the no claims history accumulated on a Motability car can be applied to a private car at the same time is to phone a few of them and ask. As you say, NCD is based on the drivers history, so you’d think it would be possible, but answers may vary wildly by insurer.
I guess that the only way find out whether an insurer will allow the no claims history accumulated on a Motability car can be applied to a private car at the same time is to phone a few of them and ask. As you say, NCD is based on the drivers history, so you’d think it would be possible, but answers may vary wildly by insurer.
When I joined Motability, I have kept ownership of a private car, which theoretically gave me 15 years good driver and many years NCB on my own car. If you remember, I also bought a Rover 75 V6 about 2 months ago, which technically meant, I would have to build up NCB from scratch on this car. I phoned LV, with who my BMW is insured with and asked if they would honour any no claims from either the good driver or my own built up NCB, without hesitation LV said we will ghost? you 5 year NCB on the Rover. I thought the price was high, so phoned Esure, which I have my home insurance with and again without hesitation (after a few questions), said they would honour 5yrs NCB, so the Rover is insured with them, as the price was better however, as of yesterday the Rover now resides with my dauhter as a named driver – dads are too kind 😂
- You must be logged in to reply to this topic.