No claims bonus for named drivers?

cornwalltigger

Hi all,

We're a 2 car household about to go down to 1 car, and I need to renew my car insurance. I have 7 years' no claims, my husband has 5. I imagine I'll be the first named driver as I've got more no claims and have held my licence for longer.

But what will happen to his no claims? Does it just freeze, or will he lose it all and have to start again if he ever gets his own car again?

Are there any companies out there at the moment who will keep it running for him as a named driver?

The cheapest quote from confused was LV who don't seem to offer this. I don't know if Direct Line still offer this as I know they used to, but their quote is a good £150 more so I'm not sure if that makes good sense to pay the extra.

Thanks in advance for any help or advice!

forgotmyname

After approx 2 years it will be lost unless you use it.

shreddy

There are companies out there that offer 'named driver NCD' but be careful, it's down to clever advertising. For example Direct Line do offer it but it's different to a standard NCD in that you can't build it up and use it with another company, it applies if say your husband was a named driver on your policy with Direct Line and he then chose to take out his own policy also with Direct Line - Other insurers wouldn't necessarily recognise it.

NAMED DRIVER NCD (No Claims Discount)
Direct Line was the first major insurance company in the UK that recognises named drivers’ No Claims history

If you have named drivers on your Direct Line car insurance policy, you (and they) will be pleased to know that we have become the first major insurance company in the UK to offer Named Driver No Claims Discounts.

This means that when we provide your named drivers with a quote for Direct Line car insurance, we’ll recognise every year they haven’t made a claim on your policy.

The no claims discount earned by named drivers can be used against a Direct Line policy of their own in the future. However, it may not be recognised by other insurers. The named-driver no claim discounts may be lower than the no claim discounts available to you as the policyholder. Once applied to a policy the discount operates in the same way as no claim discount. If a claim is made the discount will be reduced.