Going from 2 cars to 1 - what to do about insurance and NCB?

Kuromei

Hi all

Hope someone can help.

Me and hubby currently have a car each and we are planning on selling them to go down to one car. The current situation re: car insurance is:

- My car - I have 13 years NCB and hubby is a named driver on my policy

- Hubby has his own car insurance for his own car with 12 years NCB.

My question is, if we go down to 1 car and we have a single/joint policy will one of us lose our NCB? and will one of us be the main policy holder and the other a named driver?

And does anyone know if there are any insurance companies that will let us keep both our NCB's?

thanks in advance

Hintza

Insure with you this year and your husband next year then rotate annually. From what I understand most insurers allow you to keep NCB if a new policy is started within 2 years of an expired policy.

Try direct line I think they allow both drivers to keep NCB.

property.advert

Hintza wrote: »

Insure with you this year and your husband next year then rotate annually. From what I understand most insurers allow you to keep NCB if a new policy is started within 2 years of an expired policy.

Try direct line I think they allow both drivers to keep NCB.

Yes, that is what I would do.

Hintza

Vaio has thanked me so I can't be far off the mark for a change

He is pretty genned up on insurance stuff.

sickofusernames

We're stuck in a similar dilemma as be only have one car now, as I'm doing some temporary work occasionally I just use my mountain bike to get to wherever I'm working, but i'm still a named driver on my missus' car.

Come the end of this month the car insurance is due and it'll be a year since I last had insurance so I'm going to be the main driver for this year to keep up my full NCB, I'd be annoyed to lose my discount considering the high cost of insurance nowadays.

Kuromei

thanks all for your responses so far!

will have a look into the DirectLine policy!

and also consider insurance for myself and hubby every other year.. just wondering if the car is registered in hubby's name then will it be ok if the insurance is in my name?

Hazel2705

Hintza wrote: »

Insure with you this year and your husband next year then rotate annually. From what I understand most insurers allow you to keep NCB if a new policy is started within 2 years of an expired policy.

Try direct line I think they allow both drivers to keep NCB.

This is what we will be doing when one of the cars go to the scrap yard.