Shared Car

XRS200

facade said:

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.

A couple of years ago aviva needed the NCD to be in the name of the main driver.  Sounds like that is still the case.