Advertisement
If you have a new account but are having problems posting or verifying your account, please email us on hello@boards.ie for help. Thanks :)
Hello all! Please ensure that you are posting a new thread or question in the appropriate forum. The Feedback forum is overwhelmed with questions that are having to be moved elsewhere. If you need help to verify your account contact hello@boards.ie
Please note that it is not permitted to have referral links posted in your signature. Keep these links contained in the appropriate forum. Thank you.

https://www.boards.ie/discussion/2055940817/signature-rules
Hi there,
There is an issue with role permissions that is being worked on at the moment.
If you are having trouble with access or permissions on regional forums please post here to get access: https://www.boards.ie/discussion/2058365403/you-do-not-have-permission-for-that#latest

insurance

  • 30-07-2010 4:08pm
    #1
    jap gt
    Registered Users, Registered Users 2 Posts: 1,896 ✭✭✭


    hi lads

    i renewed my insurance today, but changed from a private car to comercial van, i have 3ncb which i transfered to the van, if i get rid of the van next year and go back to private will i still have a ncb to carry over, a friend told me you cant use points that have been recieved in a comercial on a private car, im with quinn


Comments

  • #2
    johndaman66
    Registered Users, Registered Users 2 Posts: 4,099 ✭✭✭johndaman66


    jap gt wrote: »
    hi lads

    i renewed my insurance today, but changed from a private car to comercial van, i have 3ncb which i transfered to the van, if i get rid of the van next year and go back to private will i still have a ncb to carry over, a friend told me you cant use points that have been recieved in a comercial on a private car, im with quinn


    Hi jap gt, I stand to be corrected and I obviously am not fully aware of your circumstances but I don't think you would loose your no claims bonus and would still be building up ncb driving the van for that matter. I started driving in a Renault Megavan with Quinn direct and build up a ncb in the same manner as I would have in a passenger vehicle wheter subsequently taking out motor insurance with Quinn Direct or any other provider.

    I had it insured for social, domestic and pleasure use. Perhaps if you have it insured strictly as a commercial vehicle the goal post may shift. Probably best to ring Quinn Direct. They should (I would hope) be able to tell you where you stand in this regard straight away.


  • #3
    Barr
    Registered Users, Registered Users 2 Posts: 7,023 ✭✭✭Barr


    Your bonus is your bonus; you can transfer it from private to commercial and vica versa without penalty.


  • #4
    mgbgt1978
    Registered Users, Registered Users 2 Posts: 4,261 ✭✭✭mgbgt1978


    There is no hard and fast rule concerning this situation. Some companies have no problem with a no-claims bonus earned on either a private or commercial policy...others will allow for a private no-claims when transferring to a commercial policy, but not vice versa (for some strange reason they consider that claim-free commercial driving is different than private use).
    The good news is that a no-claims bonus is normally valid for up to 2 years, so if the OP does go back to a private car in the next 2 years he/she should'nt have any problem.


Advertisement