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Car insurance: what company will insure a named driver as sole driver?

  • 03-07-2015 2:40pm
    #1
    gaiscioch
    Registered Users, Registered Users 2 Posts: 1,534 ✭✭✭


    I have two quotes: one for €325 per year; one for €482. The latter will allow the current named driver to become the main driver. The former will only allow them to be named on the policy. So, I just want to find out the real cost of choosing the €325 policy by checking what sort of price the named driver will pay after two years named on the €325 policy when they want to be insured as the main driver on their own policy.

    Will they receive any discount if they want to get a car in their own name then? If so, what are the companies which will deal with them?


    NoNonsense won't quote me:"Sorry, We are unable to provide you with a quote on this occasion...Unfortunately at this time we are unable to quote you for the following reason(s): You do not meet our New Business Underwriting criteria for this channel. A Drivers profile does not meet our New Business Underwriting criteria for this channel..."


Comments

  • #2
    To Elland Back
    Closed Accounts Posts: 1,923 ✭✭✭To Elland Back


    You keep asking variations of this in various threads. It doesn't matter if an insurer consents or not to a named driver being the main driver under a policy. Only the INSURED PERSON ever gains a no claim bonus. Additional drivers gain 'named driver experience' and some insurers give a discount for it and some don't. You won't find out until the time comes for them to take out their own poilcy


  • #3
    gaiscioch
    Registered Users, Registered Users 2 Posts: 1,534 ✭✭✭gaiscioch


    To Elland Back wrote: »
    You keep asking variations of this in various threads. It doesn't matter if an insurer consents or not to a named driver being the main driver under a policy. Only the INSURED PERSON ever gains a no claim bonus. Additional drivers gain 'named driver experience' and some insurers give a discount for it and some don't. You won't find out until the time comes for them to take out their own poilcy

    According to this website the above is incorrect:

    "If I've previously been a named driver on another person's policy, will I still be eligible for a no claims bonus? You certainly will. Most companies we work with give a no claims discount, which is based on the number of full years that you've been a name driver."


  • #4
    To Elland Back
    Closed Accounts Posts: 1,923 ✭✭✭To Elland Back


    gaiscioch wrote: »
    According to this website the above is incorrect:

    "If I've previously been a named driver on another person's policy, will I still be eligible for a no claims bonus? You certainly will. Most companies we work with give a no claims discount, which is based on the number of full years that you've been a name driver."

    Read my post properly and read the link in full. Chill are just an insurance broker and they have simplified the explanation of the process. I stand by my comment, but I will try and clarify it.

    Only the policyholder ever earns a no claim bonus. However, many insurers will give you a named driver discount equal to to certain stages on their no claim bonus scale. Some will allow you the equivalent of a point on the scale for every year named, some will give you 1 stage for every 2 years named etc but many will tell you, 'no thanks, not one for us'


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