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DL's assertion that named drivers can earn no claims discount encouraged me to stay with them as my sons approached 17 years of age. When my son reached 17 he was added as a named driver and had no accidents or convictions for 1 year. On his 18th birthday we bought him a small sensible car (Peugeot 206) for him to drive to his new job. When we rang Direct Line we were quoted approximately £8,000 for Third Party Fire & Theft insurance as the price including the No Claims Discount.
We have since taken up a quote with Admiral for just under £1,800 and we are moving all our policies to Admiral. I rang Direct Line today in the hope of resolving my complaint and the first-line customer service person said "what this quote means is that we don't want to insure him".
My point is that it is unethical and dishonest to say give the impression that sons and daughters of middle-aged policy-holders will be favoured when they clearly aren't. A NCD is meaningless when it is a discount off a price approx 5 times that of other companies. An ethical honest stance would be to have a marketing message that "we are not interested in younger drivers" as many firms do. I stayed with Direct Line for some years on the assumption that my sons would benefit and this wording is basically a lie.
I have spent time on phone and in letters and got nowhere with them
Did Admiral allow your son one year's NCD based on the time he was named on your DL policy? If so, not a total waste.
Marge3781 16.06.2012 13:40
This review is a bit short, and less detailed than most here, but I appreciate you are new to the site, and I do feel this is information that really needs to be made public. It seems many insuance companies are resorting to very disreputable practices in regards to young drivers, and I believe it is reaching the point that government intervention is really becoming neccesary.