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Short Term Insurance (UK)

5 replies to this topic
FranklinDeRoosevelt
  • FranklinDeRoosevelt

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#1

Posted 17 June 2014 - 06:36 PM

Anyone know a broker that deals with short term insurance for a 17 year old? As first driver? At the moment, all I'm hearing is putting yourself as 2nd driver under a family member works all the time, which is cheaper, but is there any competitive insurers out there? I know it's unlikely, but is there even one? Just asking. I'll most lilkly be putting my name under my dads.


sivispacem
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#2

Posted 17 June 2014 - 07:13 PM

Most won't cover people under 19 for temporary insurance.

As for using another person's policy as a named driver, it's perfectly legal as long as they are the primary users of the vehicle. But if you're the primary user, it's fraud and really not the kind of thing you want to be discussing in public.

Anyway, I've moved this to vehicle chat where is is better suited.

FranklinDeRoosevelt
  • FranklinDeRoosevelt

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#3

Posted 18 June 2014 - 01:21 PM

Yeah, I am not the primary user, my dad is. So I'll definitely put it under his name since it's his car. I really need to drive around and get experience at the same time, especially use it for going to college. Plus it should help me with the no claims bonus.

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sivispacem
  • sivispacem

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#4

Posted 18 June 2014 - 02:16 PM

Most companies won't let named drivers get NCB. You usually have to be the policy holder, though I think there are some exceptions.
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FranklinDeRoosevelt
  • FranklinDeRoosevelt

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#5

Posted 18 June 2014 - 08:06 PM

Okay, thanks for the info.


epoxi
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#6

Posted 18 June 2014 - 08:36 PM

Also: some insurers tell you named drivers get NCB, but it's generally unofficial NCB which is only valid for that insurer.

On my Aviva policy the person on the phone promised me proper NCB as a named driver, but at renewal it was "Aviva NCB" not real NCB.

To be fair to them when I reported it to them with the time and date of the phone call when I was promised this, they went back and listened to the call and gave me the NCB I was promised. However I can imagine most insurers being far less scrupulous.




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