Insurance Question

joey100

Not sure if this is the right place for this but I'll put it up anyway.

Me and my wife are looking at selling one of our cars and sharing the one car between us. We commute together anyway so would make sense to only have one car rather than leaving one sitting in the drive all week.

I've emailed our insurance company but haven't heard anything back from them. Just wondering what would happen my insurance, say I sell my car and go named driver on the wifes car, what happens if say 5/6 years down the road I get my own car. Will I have to start over on my NCB or will the named drivers experience count towards something? Thanks for your help.

bazz26

NCB in your own name generally expires after 2 years if you don't continue as a policy holder.

Corvo

Your own NCB will expire after two years, as per above, but if you are named during that time on your wife's vehicle, I'm sure a decent broker / insurer will use that experience in order to gain a decent (if not full) discount again.

jinkybhoy

Corvo wrote: »

Your own NCB will expire after two years, as per above, but if you are named during that time on your wife's vehicle, I'm sure a decent broker / insurer will use that experience in order to gain a decent (if not full) discount again.

as above but what some people do is swap bonuses every 2 years so as they keep them alive. Strictly speaking you would need to do a change of ownership on the car each time but in practice most insurers don't mind car being insured in one spouses name and being registered in the other spouses name.