Insurance - NCB and Death

Goksly · 30 Dec 2017 at 18:43

Yeah I phoned up they said we don't need to cancel now but won't be able to renew it. But still insured - runs out end of Jan so will just let it run to completion.

eviled · 31 Dec 2017 at 00:39

sorry for your loss

ring around, my wife lost all her NCB by not having a care for 2 years when she came to get a policy again several companies gave her a variety of NCBs as long as she could prove her old policies

good luck

Psycho Sonny · 3 Jan 2018 at 00:06

Thekwango said:
That's a ridiculous comparison that has no bearing on the OP. See below.

That seems perfectly reasonable, 2 drivers but only 1 earning ncb. The driver earning the ncb dies so the ncb passes to the other named driver. While I'm sure not every insurance company would do this (as noted in the op's response) it's an excellent 'gesture'

Named drivers could change every year.

I could have 10 different named drivers over the past 10 years.

So how does the last person who was a named driver deserve to get 10 years NCB?

Everyone knows how NCB works. It's only for the main driver unless specified by some companies

Thekwango · 3 Jan 2018 at 19:53

Psycho Sonny said:
Named drivers could change every year.

I could have 10 different named drivers over the past 10 years.

So how does the last person who was a named driver deserve to get 10 years NCB?

Everyone knows how NCB works. It's only for the main driver unless specified by some companies

come one dude that's a lazy and almost facetious reply. no one would try and argue that if the named driver was changing every year that the last named person should get to carry on the ncb should the policy holder pass away.

if the same named driver has been on the policy for the same number of years then I don't see why the insurance company couldn't allow them to carry on the policy with the same ncb should the policy owner die.

Django x2 · 3 Jan 2018 at 23:33

Thekwango said:
come one dude that's a lazy and almost facetious reply. no one would try and argue that if the named driver was changing every year that the last named person should get to carry on the ncb should the policy holder pass away.

if the same named driver has been on the policy for the same number of years then I don't see why the insurance company couldn't allow them to carry on the policy with the same ncb should the policy owner die.

Ignore him, he's a classic sycophant and has no filter, or clearly, understanding of how insurance works

Dup · 4 Jan 2018 at 09:27

My father passed away mid policy. Direct Line transferred my mum to be the main driver penalty free and were very sympathetic with her. Great customer service. Don't know what would have happened at renewal but as far as they would have been concerned it would just be a normal renewal as she would have been the main and only driver on the policy with the NCD in place.

We sold their two cars and she bought a much newer CRV so the policy changed anyway, but the price was only a touch more.