Going from 2 cars to 1, how do we both keep our NCD ?

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rich7673
rich7673 Posts: 8 Forumite
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in Insurance & life assurance
Wife and I both have full NCD on our own cars, we  are selling one car and just keeping one which is registered in my name and she is a named driver. How do we maintain my wife’s NCD once we go to one car , can we alternate year after year as to who insured it. We will use the car equally. Thank you 

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  • born_again
    born_again Posts: 14,474 Forumite
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    Switch to her taking out the policy next year, rinse & repeat if you only still have one car.
    Life in the slow lane
  • rich7673
    rich7673 Posts: 8 Forumite
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    born_again said:
    Switch to her taking out the policy next year, rinse & repeat if you only still have one car.
    Do insurers let you do that as she’s not registered keeper ?
  • maisie_cat
    maisie_cat Posts: 2,068 Forumite
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    rich7673 said:
    born_again said:
    Switch to her taking out the policy next year, rinse & repeat if you only still have one car.
    Do insurers let you do that as she’s not registered keeper ?
    Yes, we do that, I'm the registered keeper but the car is a marital asset. 
  • rich7673
    rich7673 Posts: 8 Forumite
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    maisie_cat said:
    rich7673 said:
    born_again said:
    Switch to her taking out the policy next year, rinse & repeat if you only still have one car.
    Do insurers let you do that as she’s not registered keeper ?
    Yes, we do that, I'm the registered keeper but the car is a marital asset. 
    That’s great thank you , may I ask who you are insured with ? or do you change dependant on price each year ? 
  • lisyloo
    lisyloo Posts: 29,617 Forumite
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    We used to do that. I don’t know whether it’s all insurers but NcD stays valid for the second year.
    they may enquire as to why there’s a gap.
    dont leave it any longer though as will expire.
  • Aretnap
    Aretnap Posts: 5,215 Forumite
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    rich7673 said:
    born_again said:
    Switch to her taking out the policy next year, rinse & repeat if you only still have one car.
    Do insurers let you do that as she’s not registered keeper ?
    It will vary from insurer to insurer, so read the questions and assumptions about who is the owner, who is the registered keeper, who is the main driver etc carefully. But most insurers will not be too worried when it's husband and wife sharing a car. They're more likely to be picky if it's a parent and teenage son, or more distant relatives etc.
  • Newbie_John
    Newbie_John Posts: 460 Forumite
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    Do a quote check what would be the insurance difference with high NCD and none. When I got rid of the car I was worried that it will go into thousands £ but was nicely surprised that it didn't.
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