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Being a named driver plus having your own insurance

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  • 18-01-2019 12:05pm
    #1
    heritz
    Registered Users Posts: 34 ✭


    A question that none of the customer service people have been able to answer.

    My missus has been a named driver on my policy for 3 years. Just this month she got herself a car and bought her own insurance policy, adding me in as a named driver so we can drive each other's cars.

    She got a discount on her new policy because she has been a named driver for some time.

    In 2020 when her policy is due for renewal, will she get a discount for both named driver + her own no claims? or will the named driver experience stop counting?

    I'm just not sure if you can accumulate both named driver experience + no claims and how insurers look into both.

    Thanks!


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    #2
    Atlantic Dawn
    Registered Users Posts: 82,784 ✭✭✭✭Atlantic Dawn
    M


    Named driver will stop counting, it will all be just on her own policy's no claims discount.


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    #3
    shanec1928
    Registered Users Posts: 4,149 ✭✭✭shanec1928


    pretty sure it just starts as her NCB from now on since she has her own policy.


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    #4
    bop1977
    Registered Users Posts: 1,062 ✭✭✭bop1977


    In my experience, I had 3 years as a named driver, what Quinn direct did was keep me at 3 years NCB until year 4 with them. In year 4 my NCB increased and premium dropped.


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    #5
    Rows Grower
    Registered Users Posts: 8,088 ✭✭✭Rows Grower


    Named driver will stop counting as a discount, but if she has an accident on that policy it will affect the price of her own next policy.

    "Very soon we are going to Mars. You wouldn't have been going to Mars if my opponent won, that I can tell you. You wouldn't even be thinking about it."

    Donald Trump, March 13th 2018.



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    #6
    heritz
    Registered Users Posts: 34 ✭heritz


    Atlantic Dawn wrote: »
    Named driver will stop counting, it will all be just on her own policy's no claims discount.

    So that means her premium will go up next year. She's getting a 3 year named driver discount. Next year it will be just 1 year no claims discount. Correct?


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    #7
    Eggs For Dinner
    Registered Users Posts: 2,982 ✭✭✭Eggs For Dinner


    heritz wrote: »
    So that means her premium will go up next year. She's getting a 3 year named driver discount. Next year it will be just 1 year no claims discount. Correct?

    Next year she will have one extra step on the NCB scale, it all depends on where they slotted her in when she took our her own policy, taking in to account her driving experience. It will be cheaper than this year (leaving aside any overall rate increase across the board)


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    #8
    coylemj
    Registered Users Posts: 25,455 ✭✭✭✭coylemj


    heritz wrote: »
    So that means her premium will go up next year. She's getting a 3 year named driver discount. Next year it will be just 1 year no claims discount. Correct?

    I'd seriously doubt that one year of being a named driver is worth as much (in terms of no claims discount) as one year of having your own policy so I wouldn't assume that she is going to go backwards and pay more next year.

    As the previous poster said, it's likely that she will pay less.


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