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

Car Insurance no claims

  • 29-02-2016 2:27pm
    #1
    ssmith6287
    Registered Users, Registered Users 2 Posts: 1,341 ✭✭✭


    Just wondering if anybody has any experience with this.

    I have 8 years no claims. If I was to sell my car and be a named driver on my wifes car for say 1 or 2 years do i loose my NCB, if not, do I gain extra years for when I'm insured on her car.

    I weighed up the price of a new car, tax, insurance and service costs.

    Its cheaper for me to hire a car from a rental company then own my one and pay it off.

    Just looking into how feasable it actually is to do it my way


Comments

  • #2
    njs030
    Closed Accounts Posts: 4,030 ✭✭✭njs030


    The motors forum might be a better place to get answers. They know the ins and outs these type of questions!


  • #3
    ssmith6287
    Registered Users, Registered Users 2 Posts: 1,341 ✭✭✭ssmith6287


    I looked there, I couldnt see a place for insurance or rental though. I figured consumer issue might be next best thing


  • #4
    Nody
    Moderators, Category Moderators, Arts Moderators, Business & Finance Moderators, Entertainment Moderators, Society & Culture Moderators Posts: 18,377 CMod ✭✭✭✭Nody


    If I remember correctly you lose your full NCB it after 2 years of not being the main insurer (does not matter for what reason); you do not get to add any additional years as a named driver and it does not count against the 2 years that will lose you the NCB bonus. After 2 years you'll start over on zero again (a common problem for people who've emigrated and are now coming back).


  • #5
    Cakerbaker
    Registered Users, Registered Users 2 Posts: 850 ✭✭✭Cakerbaker


    You lose your NCB after 2 years. My husband and I swap the insurance over and back every year as insured driver and named driver so we both keep our NCB.


  • #6
    coylemj
    Registered Users, Registered Users 2 Posts: 25,624 ✭✭✭✭coylemj


    ssmith6287 wrote: »
    I looked there, I couldnt see a place for insurance or rental though. I figured consumer issue might be next best thing

    There's no sub forum for insurance, just create a new thread in Motors


  • Advertisement
  • #7
    slimjimmc
    Registered Users, Registered Users 2 Posts: 7,786 ✭✭✭slimjimmc


    Moved to Motors


  • #8
    bazz26
    Registered Users, Registered Users 2 Posts: 51,364 ✭✭✭✭bazz26


    You need to keep a policy in your own name otherwise your NCB will expire after 2 years.


  • #9
    cson
    Registered Users, Registered Users 2 Posts: 14,500 ✭✭✭✭cson


    Interested on this too - I'll be leaving the country for a year soon; if I don't insure for 1 year am I back to square one or (as it seems from reading above) I'll be alright once I'm back within 2 years?


  • #10
    slimjimmc
    Registered Users, Registered Users 2 Posts: 7,786 ✭✭✭slimjimmc


    cson wrote: »
    Interested on this too - I'll be leaving the country for a year soon; if I don't insure for 1 year am I back to square one or (as it seems from reading above) I'll be alright once I'm back within 2 years?
    You'll be ok, once you take out a policy within 2 years of it lapsing.


Advertisement