Direct Fine car insurance

Your readers, who like us, as parents, bought the Direct Line Named Drivers No claims Discounts for their children, may like to know that there are hidden problems if your named drivers go off on a Gap Year (or even a partial Gap) or have to study abroad. It appears that our son, who had built up a 2 year unblemished record, loses it all because he (as part of his British University Course) has to study abroad for 2 periods of 2 months duration which add up to 4 months in a year. It appears that because Direct Line defines this as living abroad, he will also lose his car insurance cover in the UK during holiday vacations unless his periods abroad are disclosed to Direct Line who will then increase the excesses payable by about 50%. So honesty doesn't always pay. This anomaly is not disclosed even when reading the full policy documentation. www.directline.com/motor/newimprovedcar.htm

Asked on 31 January 2009 by

Answered by Honest John
A fair point, worth making.
Similar questions
A few weeks ago, I read in your column something that confused, and worried me, as I had just changed my car insurance supplier. I always understood that you were in favour of shopping around for the cheapest...
My son fell victim to the freak hailstones yesterday that caused much damage to the roof and bonnet of his car. Many of his friends came off even worse with cracked windscreens and light cluster damage....
Normal NCD goes: 30 per cent discount for your first claim-free year. 40 per cent for second year, 50 per cent for third and 60 per cent for your fourth year. But some companies have different scales....
 

Ask Honest John

Value my car