Shared Car

davetheman007007

Myself and Wife now share a single car, we both have full NCD, it is currently insured in my wife's name as the main driver which is due next month, should I switch to myself as the main driver in order to maintain my NCD

daveyjp

Only switch to yourself as main driver if you are.

If you aren't insure the vehicle in your name, with your wife as a named and the main driver.  Next year swap the insured party to your wife, with you as a named driver,  this ensures both NCD are maintained.

Goudy

Apart from the odd insurance company that will honour three years, most will honour NCD for two years. 

So you can alternate the policy holder each year and keep both NCD valid.

sheslookinhot

davetheman007007 said:

Myself and Wife now share a single car, we both have full NCD, it is currently insured in my wife's name as the main driver which is due next month, should I switch to myself as the main driver in order to maintain my NCD

It’s not the “main driver” who gets the NCD, it is the policy holder, which can be alternated annually as mentioned above.

maman

Do you have plans to go back to two cars? 🤔

As above, you should both be able to maintain your NCD but it won't be necessary longer term if this is a permanent decision. 

CliveOfIndia

All very valid points made by previous poster.  Yes, the simplest way is just to alternate the policyholder each year - and, as noted by maman, even that's only really necessary if you intend to go back to 2 cars at some point.

Just be aware that some insurers will increase the premium every so slightly if the policyholder is not the RK.  But in my experience, the difference is tiny, a few quid at most.  And often, where it's a husband/wife scenario (one is the RK, the other is the policyholder), often it won't make any difference at all.

davetheman007007

Hi, have had the renewal from Aviva, I can't simply swap the main driver, I have to do a new quote and they are saying will only get NCD for the current main driver

Am wondering if just best to leave as is, we have no current plans to get a 2nd car, we both do drive the car

Mildly_Miffed

davetheman007007 said:

Hi, have had the renewal from Aviva, I can't simply swap the main driver, I have to do a new quote and they are saying will only get NCD for the current main driver

Yes, you need to get a new quote... but that takes minutes, and you may well find better value than a simple renewal.

Am wondering if just best to leave as is, we have no current plans to get a 2nd car, we both do drive the car

It's certainly one option.

davetheman007007

A new quote from Aviva was a big increase and if I go elsewhere will on get NCD for my wife so no benefit

facade

davetheman007007 said:

A new quote from Aviva was a big increase and if I go elsewhere will on get NCD for my wife so no benefit

The NCD is in the name of the policy holder, not the driver (because it is the policy holder who would claim even if the other driver had an accident).

If you want it to count to your NCD, then you have to take out the policy in your name.

Did Aviva really mean that the main driver gets the NCD, even if they don't have a policy at all? This would be rather odd as you need a policy to not claim on to get an NCD for not claiming on it...

Get a quote for yourself as policy holder with your wife named as main driver about 6 weeks before her policy expires (to start the day after hers finishes). This will use your NCD, and she will keep hers if the policy just runs out without cancelling.

Then 12 months later you get a new quote for your wife as policy holder and main driver, with you named as a driver.

davetheman007007

Thanks for your clear information, so if I get a quote with myself as a policy holder, I can say I have full no claims and Aviva will issue this, even though for the last year I have just been a named driver on my wife's policy