Any way to retain my no-claims?

Lungboy

My wife and I swapped from 2 cars to one recently. I'm currently a named driver on her policy, and I have 15+ years NCD, with my last active insurance ending in January this year. From what I can gather, if I buy the next insurance and have her as the named driver, we can keep switching each year and so both keep our NCDs. However, I hardly ever drive these days due to working a bus-ride away from home, so having me as the main driver sounds like a very bad thing. Is there any way for me to keep my NCD? Can i be the policy holder, and thus earn the NCD, but not be the main driver on the policy?

boundy

I'm the policy holder on a swift cover policy but my wife is listed as the main driver with commuting. Some insurers didn't like this setup and refused to quote on confused but most were ok

captainawsome

It gives you the option to name the main driver, it doesn't have to be the policy holder so your way will be fine.

Just dont declare yourself as the main driver if your not (obviously), but you've already cover this

arcon5

Don't see the benefit in chopping and changing the policy holder each year just to preserve your NCB. It'll cost you more over the years with the reduced NCB - likely negativing any saving you'll make with your NCB if in say 5 years you decide to get a new car.

rev_henry

Is it legal to buy a cheap insurance policy on an entirely fictional car you don't own just to preserve NCD?

Lungboy

We both have lots of NCB, and if we ever had to go back to 2 cars, having maxed NCB each would give the best return I'd have thought.

Quentin

rev_henry wrote: »

Is it legal to buy a cheap insurance policy on an entirely fictional car you don't own just to preserve NCD?

Whatever the legalities, that's not a money saving plan!!

Quentin

Lungboy wrote: »

We both have lots of NCB, and if we ever had to go back to 2 cars, having maxed NCB each would give the best return I'd have thought.

Yes, well worth keeping both alive.


You shouldn't find too much of a problem being the policyholder and nominating a named driver to be the main driver.


Just take care that you don't go with any insurer that give the main driver the NCD (irrespective of which driver is the policyholder)

Gloomendoom

Quentin wrote: »

Whatever the legalities, that's not a money saving plan!!

I don't know. I did it years ago before "databases" existed. Cost me £35 a year and definitely did save me money in the long term.

Quentin

Gloomendoom wrote: »

I did it years ago..... Cost me £35 a year ........

You are giving away your (great!) age!!

Gloomendoom

Quentin wrote: »

You are giving away your (great!) age!!

Not really. One of my cars only cost me £82 fully comp this year.