Using your Partner to Gain "Their No Claims Bonus!"

Are you a first time buyer of car insurance? Have you got zero no claim bonus?

Well if you are, we may have a solution to getting you cheap car insurance by reducing your insurance premium down by over 40%.

However there is a catch, you need a partner with a large no claims bonus that you just happen to share an address with.

We will give you an example:

Miss X, a 22 year old who has a full driver’s license for 5 years but zero no claims bonus. The car to be insured is a Hyundai Getz 1.3 Sport 3 door and is kept on a driveway overnight.

The cheapest car insurance premium quoted so far is a staggering £584 after 6 quotes from various top brand car insurance companies.

Miss X enters a local insurance broker with her partner (Mr Y) who happens to be insured through the same broker and also lives with Miss X at the same address.

The broker asks Miss X if there are to be any named drivers on her policy. She answers “no” and the car insurance quote given by the broker is £624.

“No big deal” I here you say, however, the broker continues to read their computer screen which states that the insurance company (in this case Provident) will take into consideration that Miss X’s partner (Mr Y) has full no claims bonus.

“How will they consider this?” I here you shouting. If she puts Mr Y on the policy as a named driver, Miss X  can actually assume Mr Y’s no claims bonus status as Provident now count Miss X’s policy to be part of a household policy (because Miss X’s car and Mr Y’s car are at the same address.

Miss X’s quote is now re-evaluated at £352 including legal cover making an astounding saving of nearly 50%.

So if you have a very low no claims bonus make sure you get a quote from your partners insurance company and have your partner added as a named driver on your policy.

A simple yet very effective tip to gaining full no claims bonus immediately.

Article created by Adrian Pitt ©2008 Car Insurance Rules