NCRF Frequently Asked Questions

Ceded Policies

Q1.When can my company terminate or non-renew a policy ceded to the Facility and how much notice is required?
Q2.Do we have to offer liability coverage when a title owner and named insured currently has a North Carolina driver’s license that is suspended indefinitely?
Q3.Is there any Facility rule against ceding a personal automobile policy with an annual term?
Q4.We have a policy that has been voluntary for multiple terms. We will be ceding it for the first time at renewal. Is this considered new or renewal business?
Q5.We renewed a policy with Physical Damage only. Later in the term we added Liability coverage. Would the cession be submitted as new or renewal business?
Q6.I am an agent. How do I place an auto liability policy with the Facility?
Q7.I am a licensed carrier. How do I reinsure an auto liability policy with the Facility?
Q8.How can I confirm that my cessions have been accepted?
Q9.What is the difference between cancelling a ceded policy and withdrawing it?


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North Carolina Insurance Guaranty Association