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[paniK]

Hey all,

I'll keep this simple. Basically, I want to transfer my dad's ncb from one insurance company to another. Do I just cancel the insurance policy and then on the new one just put however ncb the old policy had or is there some process of transferring ncb from one company to another. I don't want to lose max ncb discount!! Is there some process or is it as simple as cancel one policy, start another stating all ncb on the new policy?

[JohnBoy_DIY]

ask the insurance company for proofe of no clames and they should sent it to ya

[paniK]

cool, so when I cancel the policy, I just ask for proof of no claims?

[fiend]

Yeah, as your new insurance company will ask you to prove your NCB.

[Oranoco]

You can't transfer your Dad's no claims he has to do it.

And I do hope you're not driving around on your Dad's insurance to save a few quid? Technically if you're the main driver you should also be the insured driver

[paniK]

well I'm driving a £400 Nissan Micra thats worth abosutely sod all.

They wanted £1600 in my own name!!! I told them where to stick that.

Its £878 for a fooking box on wheels.

I wouldnt be the main driver anyway so it's not as if I'm doing it to save money. Dad uses it every day. I'd only be using it at weekends if that

[Oranoco]

Fair enough mate.

It really gets on my funlumps when people buy or build a car and then try and insure it through Mum and Dad. As I've always said if you can't insure it, don't buil/buy it. In your case however this seems not to apply

[paniK]

As I have found, insurance is a rip off at my age. Other companies quoted me as much as £3k in dad's name first.

Dad's 58 with MAX NCB and 30 years driving experience.

As soon as I even whisper the fact a 17 year old male is to be put on the policy, it goes into orbit and gives me that joke amount of a quote. I read an article on msn, you can find it about, why car insurance is a farce (thats the title), and it says if you crash uninsured, you get a fine of about £200 and a slap on the wrist. OK you'd get a criminal offence, but i'm sorry thats a joke.

And I hate the fact that at 17-20 you get ripped off because of a few c.unts that like to show off and drive like luncatics and write cars off. I know a numebr of people at my 6th form who have done that and I hate the fact others have to fork out for it. I'm not saying I'm a perfect driver, far from it, but a bit of common sense please £3k on a £400 car??

I tried insurance on my dad's BMW 520i 2003 53 plate and his current insurer, the AA, gave a quote of £14769!!! He bought the car for a little more than that!! And is insuring himself only on a FRESH policy for £508.

Rant over

[Oranoco]

I'm afraid as a young driver you will always be crippled by the costs certainly for the first year.

Saddly though the article you mention about insurance being a farce is a complete crock of s**t. Yes it's £200 fine if caught but what happens ion the event of an accident and somebody is injured? You could very well find yourself in court in a private prosecution and be tens of thousands of pounds out of pocket. Suddenly the insurance seems a bit of a bargain.

Only way to get your insurance down is to get your own policy and don't bounce of anything.

My bro had a 1.2 Nova at 17 and that cost £1600 to insure. Following year he put his 1.6i Ghia Orion on the road for £1200 and at 19 he got his FRST insured for £900. Like me he now owns his FRST for fun and has a second car for daily duties (Mondeo V6) and at 23 years old insures the pair for £1000.

Dodging the high insurance will only postpone what you'll have to pay eventually.

[paniK]

I know that from friends as well that insurance will catch you up sooner or later. Somehow, don't ask me how, my mate that had the FRST got it as his first car at 19 insured on the back of his mum at £1700. I was amazed as the best I even got quoted was £3k on the back of my dad.

I'm going to have to bite the bullet sooner or later but at least later I can say I've had x years of driving experience and I am 19 or 20 and not 17. I think it comes down to luck as I've read on other forums people get insured on Toyota Glanza V's and starlet GTs at £900tpft in their own name first ca, I was like....WTF!! They do live in some next little towns though with very low crime and London does no favours lol.

I'm still holding out for an FRST though even when I'm 20 or so, will definitely be a car I'd want to own

[niblo]

well im 18, and ive got insurance in my dads name with direct line, because i was getting quotes of £2000+

good thing about DL is that u can build up NCB as a named driver

even if i wasnt building NCB, as soon as you turn 21 or whatever your insurance plummets

[DK]

Im 19, my insurance is £1300 for my 1.3 LX. You gotta just deal with it dude. have ur own insurance, heck,even put down that ur allowed to drive other peoples cars.

Then on ur dads insurance get him to put down the bit that allows other people to drive his.

My dad pays for my insurance. And i'd rather drive my 1.3 instead of his 2.0litre merc...

[niblo]

haha theres no way in hell that im goin to pay £2000+ to insure the encore!
I could buy about 4 for that!
ill just be sticking under my dads name for awhile

[Rimmer]

im 20 and passed when i was 18, i had a 1,1 Nreg fex and the insurance was just over £1000 on my dads name, last year it went down to just below £900 on my own name and ive just insured a 1.3 P reg fex and insured with adriun flux for £625 with 1 years ncb, so it helps to get your own policy as soon as possible

[niblo]

right now im paying 950 under my dads name, tpft.
next year it will be 350 in my dads name tpft....
Its likely that i wont get my own policy untill they start charging sensible money for my age.

[DK]

the way i see it, might aswell just get ones own policy instead of going on parents etc...
unless u and ur parents are gona be on direct line all ur life.
in the long run, provided u dont crash etc.. you will end up with loads of NCB and pay peanuts in insurance on watever car u want!

[paniK]

the things is for at least the first year maybe 2 of your driving, it really isn't worth paying ridiculous amounts of cash to insure a poxy 1.0 or 1.2 or whatever, that is worth absolutely sod all! I'm going to stick for one year under my dad, maybe two, then after that, get my own policy at around 18 maybe 19.

I wanted to go with Direct Line because of the ncb for named drivers but I heard there's a catch with that in that you have to stay with them for 4 years or something?

[Oranoco]

next year it will be 350 in my dads name tpft....

You can't even begin to make a claim like that your insurance won't plummet by £600 becasue you didn't crash for a year. Your Dad will take teh policy out and he will be asked if you have any no claims. Which you won't have as you've been on Dads policy. They may take into account that youhaven't hit anything over the last 12 months while being a named driver. I think you'll find a £100 saving if your lucky. By your maths at my age they should be paying me about a grand a year to insure me.

My parents wouldn't let me anywhere near their cars and at 17 I thought they were being really horrible about it. Now I'm that bit older they did me a huge favour not bailing me out.

[niblo]

i can say that its gonna be 350ish next year, because i got a quote as a 19yr old, with 1 ncb... under my dads name its 350ish.
so im not talking crap mate, thats what i got told

oh and its me that arranges everything, my dad just agrees

[Oranoco]

Sorry mate but it is crap. Insurers update things for the beginning of each calender month hence why you can't get a quote more than a month before your policy is due to start. That quote stands for now and for maybe the next 30 days that's it. Get that quote next year when it actually comes to it and if I'm wrong I will happily eat my words. In my experience of insuring my cars for the last 13 years I reckong you may get £100-150 off what you paid this year.

[niblo]

s'posse ill just have to wait till august to find out

[Jonezy]

i was a named driver last year ( yes my mum did drive the car alot too)
i paid she agreed to insure it.
£702 last year, this year got quoted £680. not worth it mate,

paid £900 on my own this year so next year better be good

[niblo]

but even so, there cant be such a drastic change from 350... ill give it 100 quid difference

[Jay]

I was on my mums beetle as a named driver as well as having my own policy on my fiesta.

Bear in mind that the beetle is 20k car... it cost £800 then came down to £680 for the second year

On my fiesta I had my own policy, it dropped by 900 quid in my own name with 1 yrs ncb

[filtra]

Get your own policy ASAP, just bite the bullet. My first year of FRST ownership was £1400 then 2nd year £600, nuff said really! That was just going between the 20/21 barrier. Highway through HIC did bear in mind that I had 3 years of driving experience though.

[paniK]

thats the thing though, you got to enjoy life while you are young. I'll never lose interest in owning an FRST but would like it to be now since now is the time to have fun. And by that I don't mean welding my right foot to the floor!

[bbl]

I know that from friends as well that insurance will catch you up sooner or later. Somehow, don't ask me how, my mate that had the FRST got it as his first car at 19 insured on the back of his mum at £1700. I was amazed as the best I even got quoted was £3k on the back of my dad.

I'm going to have to bite the bullet sooner or later but at least later I can say I've had x years of driving experience and I am 19 or 20 and not 17. I think it comes down to luck as I've read on other forums people get insured on Toyota Glanza V's and starlet GTs at £900tpft in their own name first ca, I was like....WTF!! They do live in some next little towns though with very low crime and London does no favours lol.

I'm still holding out for an FRST though even when I'm 20 or so, will definitely be a car I'd want to own

i can get insured on a glanza v for 600 tptf

[Gazeddy]

i got a quote for my 1.4 scort at summit like £4747 this is a 50 quid car. putting my sister (28 4 yr ncb) as named driver pulled it down to around a grand and im in my second year of driving although i have had a couple of bumps but they guy i hit was a 'conquering device'. the second im fighting over because it killed off my my fez

[fiend]

i got a quote for my 1.4 scort at summit like £4747 this is a 50 quid car. putting my sister (28 4 yr ncb) as named driver pulled it down to around a grand and im in my second year of driving although i have had a couple of bumps but they guy i hit was a 'conquering device'. the second im fighting over because it killed off my my fez

Jeeze thats high! Im paying £1300 on my XR2i 1.8 and £800 on my 1.3 Ghia

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