No Claims Discount

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No Claims Discount

No Claims Discount

No Claims Discount for Additional Drivers.

07/01/2006

Direct Line today launched a unique no claims promise enabling motorists to save hundreds of pounds on their car insurance. Anyone named on a Direct Line car insurance policy can now build up his or her own no claims discount, regardless of whether the principal policyholder has a claim. This means that when they take out their own insurance they are able to transfer their no claims entitlement to their own policy, potentially saving them up to 70% off their insurance.

Until now named drivers have been unable to build up their own no claims meaning that even if they had no accidents they would have to start from zero years no claims when they take out a policy of their own.

Dognapping epidemic
Awareness of this pet crime is at an all time high, particularly following the recent suspected theft of Liz Hurley's puppy, Emily, and Engelbert Humperdink's German Shepherd, Charnie. The lengths dog owners would go to reflect the bond they have with their four-legged friends. In the event of a suspected theft they should contact the police immediately and alert their insurance company. Ninety five per cent would take the matter to the police and close to one in 20 (four per cent) say they would hire a private detective to hunt for their favourite pet. Calls may be recorded. Read more...

Direct Line is the only insurer to honour NCD for named drivers and estimates that 18 million motorists are currently driving on someone else’s policy, all with the potential to earn their own NCD.

The new policy is now open to all customers and for existing customers can be backdated to a maximum of five years.

Named drivers of any age can benefit from the policy and it is expected to be of particular interest to young drivers who often struggle to take out their first insurance and consequently drive their parents car for the first two or three years of driving meaning with any other insurer they are simply postponing the problem.

With Direct Line they would benefit from a 30% discount had they been driving for two years under their parents policy.

The following examples show the discounts available with Direct Line on a fully comprehensive policy, whereas with any other insurer the driver would start off with 0% no claims.

Scenario one: male, 21 years old, three years driving experience on his dad’s policy would get a 50% discount.

Scenario two: female, 38, been driving on husband’s policy for seven years would get a 65% discount.

Scenario three: male, 50, been driving on a friend’s policy for five years would get a 70% discount.

Emma Holyer, Motor Spokesperson for Direct Line commented:

”No other insurer recognises named drivers in this way and this is major step forward for those 18 million motorists who have been paying over the odds for their insurance. We don’t think it is fair that named drivers who have experience behind the wheel cannot benefit from their safe driving experience.”

Unroadworthy Cars
0.62 x 3,719,044 = 2,305,807. Unroadworthy Cars Over two million* British motorists persistently break the law by driving illegal damaged vehicles, according to research out today by Direct Line Breakdown. In addition, motorists can also be fined for defective seatbelts, wobbly wheel trims, excessive smoke, non standard number plates and broken horns. YouGov is a member of the British Polling Council. Read more...

Notes

· Named driver No Claims Discount (NDNCD) applies to any person who is named on an existing policy. A spouse partner, children or friends can build up their own ‘Named Driver No Claims Discount’.

· Policyholders can ‘top up’ their earned NCD with NDNCD when it exceeds earnt NCD. For example, if a policyholder has one year earned NCD and two years NDNCD they can claim a total of two years.

· The discounts will be backdated to the date that the driver was added to the primary policy.

· This does not apply to temporary drivers.

The scale of discounts is as follows:

· One year - 30%

· Two years – 40%

· Three years – 50%

· Four years – 60%

· Five years – 65%

· Five years and p/h aged over 50 – 70%

Dog owners vet bill.
Fifteen per cent have raided their life savings in order to fund essential treatment for their dog. These fees have forced dog owners to take drastic action leaving seven per cent with no option but to put down their sick dog according to new research from Direct Line. Almost a quarter of dog owners struggle to pay vet’s fees. directline home instant insurance Read more..

Wasting money
The most costly changes include laying cheap wooden flooring (33 per cent of these), installing PVC windows (32 per cent) and removing fireplaces (20 per cent), according to a list of ‘design crimes’ compiled by Direct Line Home Insurance in collaboration with surveyors Habitus. According to the research, these alterations can reduce the value of a property by up to five per cent, knocking £9,637 off the average house price***. “From an insurance perspective, it’s also important for homeowners to remember that changes they make to their interiors may affect the value of their home contents. Read more...

Fidos food
YouGov interviewed 1,337 British dog owners adults aged 18 and over. As a consequence, one in 10 dog owners (11 per cent) admit their pet is overweight – a third (32 per cent) of these by half a stone or more, with one in 20 (six per cent) by over a stone. For peace of mind, we would advise all dog owners to consider taking out appropriate pet insurance.” For more information, log on to Direct Line Pet Insurance. Although the occasional Choc Drop or dog bone is an acceptable way of treating your pet, it is important to make sure your dog is sticking to the correct dog food regime. Read more...

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