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Break in Insurance

  • 15-01-2012 8:56pm
    #1
    ClearlyClear
    Registered Users, Registered Users 2 Posts: 36 ✭


    Hi Everyone,

    Ok so to explain my situation.

    I am currently working in the UK but returning to Ireland very soon.

    I was insured on my mothers car up until July 2011 and had been on that for 18 months. I have also been insured on this car for a few days in August and over the christmas for 10 days.

    When I return to Ireland I plan on buying a car and getting my own insurance.

    Now for the question can I say I have 1 year named driver experience, in light of the fact that there is a break of 6 months ish since I was last insured on a full time basis.

    Will this vary from company to company ?

    Presuming I can, the companies I am looking at are FBD 805 euros, Quinn Direct 1357 euros.

    Any advice welcome.

    Ringing FBD in the morning but wondering if anyone has experience of this.


Comments

  • #2
    Chimaera
    Registered Users, Registered Users 2 Posts: 1,652 ✭✭✭Chimaera


    I think you'd have to talk to the insurer you were with on your mother's car and see if they'll give you an NCB cert for your time on that car.


  • #3
    oldyouth
    Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    From what you say, I think most insurers will consider that as 1 years complete driving experience. Weeks or months here and there don't really contribute


  • #4
    alias no.9
    Registered Users, Registered Users 2 Posts: 6,352 ✭✭✭alias no.9


    Chimaera wrote: »
    I think you'd have to talk to the insurer you were with on your mother's car and see if they'll give you an NCB cert for your time on that car.

    You won't get an NCB cert as a named driver, just a letter stating when you were insured. Its up to you to convince a prospective insurer to recognise this as equivalent to an NCB, they don't have any obligation to do so. Generally, you won't do better that 2 years named ~ 1 year NCB, so without 2 full years, the you may not get any recognition anyway.


  • #5
    tobsey
    Registered Users, Registered Users 2 Posts: 1,275 ✭✭✭tobsey


    alias no.9 wrote: »
    You won't get an NCB cert as a named driver, just a letter stating when you were insured. Its up to you to convince a prospective insurer to recognise this as equivalent to an NCB, they don't have any obligation to do so. Generally, you won't do better that 2 years named ~ 1 year NCB, so without 2 full years, the you may not get any recognition anyway.

    That's not really the case any more. Most companies are offering a like-for-like discount between named driver experience and own policy NCD. The only problem is most companies will only take the most recent. For example I had 2 years named experience before getting my own policy last january. This year for my renewal, I was given a three year discount to renew with the same insurer. Other companies were only offering one year NCD which made my existing insurer by far the cheaper.

    OP I'd suggest you try nononsense. They're a subsidiary of FBD and are generally cheaper. You decide which extras you want (for example windscreen cover, driving other cars cover etc.) and pay extra for them. However once you get all the bits and pieces you want they will probably still be cheaper than FBD.


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