Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@. Skimlinks & other affiliated links are turned on

    • Imlay
    • By Imlay 11th Oct 16, 8:26 AM
    • 4Posts
    • 0Thanks
    Should I start my own car insurance or stay as a named driver?
    • #1
    • 11th Oct 16, 8:26 AM
    Should I start my own car insurance or stay as a named driver? 11th Oct 16 at 8:26 AM
    Dear All,

    I am currently the named main driver for my own car as well as a named driver on our other 2 cars on my husband's car insurance policy.

    My query is should I be starting my own insurance or should I stay as a named driver? What are the benefits of both?

    Thank you in advance.
Page 1
    • Quentin
    • By Quentin 11th Oct 16, 9:56 AM
    • 31,568 Posts
    • 15,569 Thanks
    • #2
    • 11th Oct 16, 9:56 AM
    • #2
    • 11th Oct 16, 9:56 AM
    The main benefit of having a policy in your own name is building up your own NCD. (Especially useful should you and husband split up!)

    The disadvantage is that you will normally start on zero NCD (though usually you get an introductory discount if you have a claim free history).

    Some insurers do give named drivers NCD as a marketing exercise (you must buy a policy off the same company to be able to use named driver NCD) - do any of your 3 policies offer this?
    • Imlay
    • By Imlay 13th Oct 16, 10:54 AM
    • 4 Posts
    • 0 Thanks
    • #3
    • 13th Oct 16, 10:54 AM
    • #3
    • 13th Oct 16, 10:54 AM
    Hi Quentin,

    Many thanks for your reply. The policies are currently with NFU so I will look into them in regards to the NCB.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

2,880Posts Today

7,777Users online

Martin's Twitter
  • Today's twitter poll: It's been everywhere, so why not here. Which Hogwart's house should you've been in (Ive put key traits to help)...

  • Quick favour if uv graduated within around the last year. I could do with pic of a student loan statement (no personal info) inc interest

  • RT @ValeOfLevenCU: Why not sign up to @MartinSLewis weekly email for free, impartial tips? #ThriftyThursday http?

  • Follow Martin