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No claims bonus

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  • 07-08-2019 11:16am
    #1
    Dtp1979
    Registered Users Posts: 12,818 ✭✭✭✭


    I’m on the search for a car. I currently drive a van for work and have a full no claims bonus on it with 12 years clean Irish licence.
    The problem is, I can’t find any insurer to accept my commercial no claims bonus and transfer it to my car. None will give a reason either. It’s extremely frustrating that I’m being treated like a first time driver, and priced like one too!!!
    Does anybody know any insurer that can help me??


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    #2
    treascon
    Registered Users Posts: 242 ✭✭treascon


    Did you try a broker?


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    #3
    Dtp1979
    Registered Users Posts: 12,818 ✭✭✭✭Dtp1979


    treascon wrote: »
    Did you try a broker?

    I did. All with the same responses. Insurance companies are a proper shower of.....


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    #4
    treascon
    Registered Users Posts: 242 ✭✭treascon


    That’s unusual. I worked in a brokers and would have come across this situation and would have got private insurance for someone based on a commercial ncb. They obviously have an issue with something. What’s your occupation and what will you do work wise if giving up the van?


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    #5
    Cows Go µ
    Registered Users Posts: 902 ✭✭✭Cows Go µ


    Are you giving up your van or will you have a car and van at the same time?

    Most companies will accept a van NCB for a car policy so long as you are cancelling the van policy. Very few will mirror the bonus if you are keeping both.


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    #6
    Odyssey 2005
    Registered Users Posts: 21,065 ✭✭✭✭Odyssey 2005


    As above,are you keeping the van ?. If not will your current insurer not transfer the NBC to a car?. Have you named driving experience on a partners/spouses car ?. If so you could probably use that .


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    #7
    Dtp1979
    Registered Users Posts: 12,818 ✭✭✭✭Dtp1979


    Yes I’m keeping the van. The cheapest quote I got was 870. Seems extortionate for a 40 year old man with 12 years clean licence.


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    #8
    Wildly Boaring
    Registered Users Posts: 3,647 ✭✭✭Wildly Boaring


    So the van has nothing to do with it.
    You need your van ncb for your van.

    Same argument as someone trying to own 2 or 3 cars.

    870 seems pretty good then.
    Sure I'm near 40 and my insurance always over 600 with full ncb


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    #9
    treascon
    Registered Users Posts: 242 ✭✭treascon


    Dtp1979 wrote: »
    Yes I’m keeping the van. The cheapest quote I got was 870. Seems extortionate for a 40 year old man with 12 years clean licence.

    You didn’t make that clear in your opening post. There’s your answer, you’re keeping the van. In the circumstances €870 isn’t a bad quote. Don’t really understand what your issue is. You made it sound like you couldn’t get a quote


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