How to retain NCB

Quin_Dub

Question for any experts out there.

My son (25) is moving to the UK for a year or two with work and likely will not have a car when he is there.

He currently has 5 years NCB and is wondering if there's a way to try to hold on to that until he returns to Ireland.

If I were to add him to my policy as a named driver would that help in any way?

standardg60

NCB cancels after two years, so either don't go for that long or just keep paying the current policy even if the car's not being used.

mikewest

Or at 22/23 months after his current insurance runs out, buy the absolutely cheapest car to insure third party only at your address and insure it in his name, park it up, car doesn't have to be a runner. He has maintained his ncb for another couple of years that way(and extended it).

coylemj

https://www.boards.ie/discussion/comment/123617926#Comment_123617926

The morally righteous brigade will point out that this would involve him supplying a fake (Irish) address to obtain a policy of insurance.

If he is living in the UK, he would not legitimately be able to insure a car which is permanently sitting in his parents' driveway in Ireland.

mikewest

For a non running car parked up the morally righteous brigade can respectfully f right off.......

Quin_Dub

https://www.boards.ie/discussion/comment/123617614#Comment_123617614

So if he were to take out a policy at some time within the next two years his current NCB would be considered valid?

Eggs For Dinner

https://www.boards.ie/discussion/comment/123618505#Comment_123618505

Perhaps the morally righteous are giving the correct advice to avoid a world of pain if the plan goes pear shaped. To make a misrepresentation in order to obtain a motor insurance policy is an offence under the Road Traffic Act.

Everyone is free to choose their own course of action

mikewest

https://www.boards.ie/discussion/comment/123618773#Comment_123618773

Please explain how somebody could get themselves into a world of pain by insuring and then parking up a car while they are in England? The car is never on a public road to commit an offense under road traffic legalisation and no claims will be made against it's insurance.

They probably bought the car one weekend when they came home on the promise of a job but that fell through and had to head back to England.

standardg60

https://www.boards.ie/discussion/comment/123618665#Comment_123618665

Yes exactly but obviously double check with his insurer

Eggs For Dinner

https://www.boards.ie/discussion/comment/123618812#Comment_123618812

The offence is obtaining a certificate of insurance by deception, it doesn't have to be on the road caught doing stuff it shouldn't. Do you think it might go unnoticed when someone who, presumably, is likely to have comp cover on a reasonable car suddenly switches to 3rd party only on a piece of crap?

Doesn't bother me what people want to do in this scenario, I'm just advising insurers can and do catch people out who have cunning plans

tabby aspreme

Insurance companies will ask for a value for the car, and how long you own it, if you have been driving bangers for a while they will quote, but get suspicious if you have just bought a banger, as there have been numerous incidents of recently bought bangers used in staged crashes

Marcusm

https://www.boards.ie/discussion/comment/123618773#Comment_123618773

Forget about the Road Trafgic Act, it would be a deception offence under the Criminal Justice (Theft and other fraud offences) Act carrying up to 10 years. It’s just not worth it. He could remain as a named driver on the parents’ policy and retain a justifiable claim to a partial NCB at least. But then, ,,,