Hi I will try to explain this simply.
My daughter and her husband both have a car.
Yesterday they traded in his car for a newer car which is registered to her
She is transferring her old car to him
They are both named driver on each others insurance.
They both need a car each for work.
Daughter insured with Hastings, she rang and told them she had changed her car.
Here is the problem.
They told her that her policy does not allow change of vehicle,she has to cancel the policy and take another one out for her new car.
Her current policy has only 35 days remaining, so she almost has another years no claim.
She currently has 7 days free Volvo insurance from the dealer so has a few days to sort something
What can she do to prevent the loss this years no claim.
I know you can get short term ins but it might cost more than that gained by an extra year no claims
Hope I have explained that ok.
Any advice please
Judging by the lapsed time, this will be sorted now.
But it’s my understanding that the “no claims” follows the person, not the vehicle. Otherwise people who shop around & change insurance company every year would never build up NCD. And after a certain number of years, an extra year makes no difference - mine says “over 6 years”, I think when it could say “23 years”.
I think a lot would depend on how many years NCD she has. As Fiona W rightly says, after a certain number of years an extra year makes no difference. The number of years does vary a bit depending on the insurer, but it is usually between 5 & 10 years.
I change my insurer on average about every two years, and my NCD hasn't changed for a long time. Last and only claim I have made in 60 years of driving was in 2009, for a Mazda Bongo I had stolen and never recovered.
She has 3 years NCB ( plus 11 months)
She has spoken to two people at Hastings and both told her the same thing.She could not do a change of vehicle and had to take out a new policy.
Tried to do it online but it told her to call them.
She worked abroad so on her return she had to start again with her NCB
From what you say in your first post, "her policy does not allow change of vehicle", presumably that means it was in the small print of the policy from the start. Rather sneaky, but not uncommon for companies to bury things in the small print; I do think she should have been made aware of that before she took the policy out though; surely lots of people change cars partway during a policy year; we certainly have, but I've never come across a clause like that. Will certainly check that in future.
Not sure what she can do about it; if it's in the T&Cs of the policy, I think perhaps as bofs says, let it run to the end of the policy, as it's only a few weeks left, to get the year's NCD. Perhaps extend the Volvo 7-day cover to the same date, then start a new policy?
Good luck with it.
Bofs
yes she could do what you suggest , keep the insurance running on her old car.
But when taking out a policy on the new car she will be asked how many years no claim she has.
The answer to that will be 3 years ( but on 30th April it will be 4 yrs)
Annoying
Looks like she will lose a years NCB, just 30 days short.
Thank you
I just rang Hastings Direct and yes, she has to cancel the policy.
He even said that if a customer moves house, they may not be able to offer cover at the new address on the original policy .So the customer would have to take out a new policy.
Will be avoiding Hastings
My son has just changed his Jag XF to a Range Rover Evoque and his insurance Co wouldn't let him keep same insurance. Probably because he's a mechanic and could do re-mapping and adjust things that Ins Co's don't like
them doing. Same result - a new company needed.
------------- Some days you are the dog,
some days you are the tree.
A friend who isn't a mechanic had the same issue. Had it a year, renewal was stupid money, he swapped it for a Merc 4x4 and the insurance was half what he had paid for the RR.
It was because Range Rovers are one of the most stolen vehicles.
Never had a problem changing cars mid term, and we’ve done a few. My last change was from a focus to a slightly newer Sportage, even got a rebate after the admin fee. We’ve been with Admiral for years insuring both our cars on one policy.
Quote: Originally posted by Bridgelayer on 07/5/2026
My son has just changed his Jag XF to a Range Rover Evoque and his insurance Co wouldn't let him keep same insurance. Probably because he's a mechanic and could do re-mapping and adjust things that Ins Co's don't like
them doing. Same result - a new company needed.
I'm afraid it's nothing to do with the job, it's more to do with the most nickable marque in the UK
------------- XVI yes?
As well is two words!
How does a sage know everything about everything? or does he? or does he just think he does?
Remember, if you buy something you bought it, not brought it.
Quote: Originally posted by Bridgelayer on 07/5/2026
My son has just changed his Jag XF to a Range Rover Evoque and his insurance Co wouldn't let him keep same insurance. Probably because he's a mechanic and could do re-mapping and adjust things that Ins Co's don't like
them doing. Same result - a new company needed.
Re-mapping is something I have often wondered about. How would anyone know? From simply driving it I'm fairly sure that my previous car had been "got at" in some way as the throttle seemed far more sensitive than I would have expected. Just the lightest touch on the pedal in the wet could spin the front wheels and I wouldn't have expected a fairly elderly Hyundai Tucson to react like that.
In my younger days I often used to modify cars, but back then modifications were physical. Different carburettors, manifolds etc. They were blatantly obvious as soon as you opened the bonnet, but a car that has been remapped looks no different to one that hasn't, and it could have a significant performance difference from standard.
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Topic: Car Insurance problem
via mobile 28/3/2026 at 9:29am
