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26 replies to this topic | 15 praises

#1

Posted 07 May 2012 - 01:45 AM

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Hi all bro,

Im going overseas posting and intend to sell my car to my brother who never own a car before, but he got his license for 11 years.

My question is, he untitle for any NCD? can my ncd transfer to him?

#2

Posted 07 May 2012 - 01:54 AM

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if i am not wrong ncd only follow the name car owner insurance..n it can only be transfer between husband n wife

#3

Posted 07 May 2012 - 09:12 AM

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If he was a named driver for your insurance in the past few years then its quite possible.

#4

Posted 07 May 2012 - 09:20 AM

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Wife and legal partners - Yes. I have heard of Son / daughters case too. But, never heard about brothers.

By the way, is he a named driver in your insurance? if not, it is difficult even for wives.

#5

Posted 07 May 2012 - 09:27 AM

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i hv never heard of transfer of NCD even bet spouses so my initial response is no chance.
any experts like to confirm?
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#6

Posted 07 May 2012 - 09:38 AM

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Father to Son is possible, for NTUC.
At least few years ago, not sure about the terms and conditions.

#7

Posted 07 May 2012 - 09:56 AM

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Call your agent and ask them to help negotiate a deal for you. But better luck if your brother was one of the named driver(s) in your current insurance. If not, I think chance is ZERO especially if he has no prior records with them. It's mostly at the discretion of the insurance company.

#8

Posted 11 April 2016 - 09:16 AM

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sorry to bump this topic, so FATHER - SON (NCD) cant be transfer?, i have been the named driver all along and NCD built up to 40% liao  :TT_TT: 


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#9

Posted 12 April 2016 - 02:09 PM

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sorry to bump this topic, so FATHER - SON (NCD) cant be transfer?, i have been the named driver all along and NCD built up to 40% liao  :TT_TT:

 

I HEARD last time can.. now cannot liao.. Spoken to a few insurers but they don't allow.


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#10

Posted 12 April 2016 - 02:26 PM

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Noob question:
my next NCD will be 50%, if i renew my insurance on Jun.

However as i change insurance on Feb due to change new car, my ncd is currently at 40%. By Jun, will my NCD become 50%? Ty
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#11

Posted 12 April 2016 - 02:32 PM

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Noob question:
my next NCD will be 50%, if i renew my insurance on Jun.

However as i change insurance on Feb due to change new car, my ncd is currently at 40%. By Jun, will my NCD become 50%? Ty

 

I don't think so. Insurer will only award you with the extra 10% if you stay with them continuously for a year. 


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#12

Posted 12 April 2016 - 02:35 PM

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sorry to bump this topic, so FATHER - SON (NCD) cant be transfer?, i have been the named driver all along and NCD built up to 40% liao  :TT_TT:

isn't it better to go direct and ask the insurer rather than ask the forum here?

 

what I know is different insurers have got slightly different practices with regards to this.  that's why last time when I did such transfer, the first thing I did is call up the insurer to ask directly.


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#13

Posted 12 April 2016 - 02:48 PM

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isn't it better to go direct and ask the insurer rather than ask the forum here?

 

what I know is different insurers have got slightly different practices with regards to this.  that's why last time when I did such transfer, the first thing I did is call up the insurer to ask directly.

 

Yes agreed.

 

5 out of 5 insurer rejected me doesn't mean others have 0%. Always worth to check again 


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#14

Posted 12 April 2016 - 02:56 PM

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Yes agreed.

 

5 out of 5 insurer rejected me doesn't mean others have 0%. Always worth to check again 

 

I am just thinking most of us each only have 1 insurer and therefore not very time efficient to ask about insurer practices (which numbers so many given the number of insurers in this industry) when a 1-minute call to the particular insurer could settle it and without lingering doubts, for the forum-er asking the question.

 

but of course, maybe you could have called 5 insurers because you are at the strategisation stage of deciding which insurer's policy to take up.  hence my previous para comments is not directed at you...



#15

Posted 12 April 2016 - 02:59 PM

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Father to son yes. Brother to brother, not sure. Just call a few coy to ask lor

#16

Posted 12 April 2016 - 03:39 PM

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Noob question:
my next NCD will be 50%, if i renew my insurance on Jun.

However as i change insurance on Feb due to change new car, my ncd is currently at 40%. By Jun, will my NCD become 50%? Ty

 

I think last time i checked with the insurers on similar question, the answer is if you change insurer then you will remain at 40% from start of your new policy counting.

 

Safest bet is to liaise with your current insurer and obtain your new car insurance from them. I think that is the only way you can clock your NCD from where you left off.


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#17

Posted 12 April 2016 - 03:45 PM

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Start from 0

#18

Posted 12 April 2016 - 03:51 PM

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You can buy the car under your name and put him as a named driver.

Then you can utilise the ncd.

 


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#19

Posted 13 April 2016 - 04:35 PM

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isn't it better to go direct and ask the insurer rather than ask the forum here?

 

what I know is different insurers have got slightly different practices with regards to this.  that's why last time when I did such transfer, the first thing I did is call up the insurer to ask directly.

 

I did that in parallel. Both asking in forum & asking the insurer. First try by my agent, got rejected. then I appeal with a letter to insurer directly via agent. Successful! Done, so Father to Son is possible! :grin:


Edited by Ralliart_ray, 13 April 2016 - 04:36 PM.

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#20

Posted 13 April 2016 - 04:52 PM

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if i am not wrong ncd only follow the name car owner insurance..n it can only be transfer between husband n wife

this is correct

 

Transferring between husband and wife depends on company though - I wasn't allowed to


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