Two Cars wrong way around

LULULU1

Hi,

I wonder if someone can help please.

My wife and I have a car each. She insured hers recently with me as the named driver. I went to insurance mine at the weekend but again did it in my wife name with me as the named driver.

We insured our cars through "quote me happy".

My question is, is this ok to leave it as it is or do I need to change it with me as the main driver. Will I lose my no claims bonus if I leave it as it is an reinsure my car next year.

Many thanks for any help.

Lu

Quentin

If both cars are now insured in her name, then your NCD is irrelevant!


She can only use her NCD on one car, and has nil to use on the other


Your NCD won't be "lost" though - most insurers will take "old" NCD up to two years from when you last held a policy in your own name

mattk_180

As above, your NCB can be used up to two years from the expiry of your last policy.


What you need to check is whether you incepted the policy in her name but declared the NCB that belonged to you. In which case you either need to switch the policy to your name or see if the insurer will accept a letter of transfer so that you give your NCB to your wife. Although, that would then mean she has 2 lots and you have a big fat 0.