I drive a Mercedes, and after a recent small accident, my premiums with LV surged from £250 to £490 annually. I didn't have No Claims Discount protection, despite holding a license for over 17 years.
Regarding the BMW my wife drives: I originally paid £230 for its insurance. This year, Aviva sent a renewal quote of £480, which I accepted. However, today, I received an email pointing out inaccuracies in my policy. Specifically, while I had indicated no recent claims, there had indeed been one. Due to this discrepancy, I cancelled the policy. I am expecting a refund, but in the midst of this, Aviva sent an email confirming my 11-year NCD. This raises the question: can I use this NCD when purchasing another policy?
Given my recent loss of NCD due to the claim and considering that my wife, being a secondary driver, hasn't accumulated her own NCD, I'm pondering a few options. One thought is to get the policy in my wife's name, though she has no NCD. Would this be wise? Any guidance would be invaluable.
Regarding the BMW my wife drives: I originally paid £230 for its insurance. This year, Aviva sent a renewal quote of £480, which I accepted. However, today, I received an email pointing out inaccuracies in my policy. Specifically, while I had indicated no recent claims, there had indeed been one. Due to this discrepancy, I cancelled the policy. I am expecting a refund, but in the midst of this, Aviva sent an email confirming my 11-year NCD. This raises the question: can I use this NCD when purchasing another policy?
Given my recent loss of NCD due to the claim and considering that my wife, being a secondary driver, hasn't accumulated her own NCD, I'm pondering a few options. One thought is to get the policy in my wife's name, though she has no NCD. Would this be wise? Any guidance would be invaluable.