Looking for advice.  For many years my wife and I have each owned a car,  insured in the relevant name with the other one as a named driver.  We are now both retired and can probably manage with one car.  But at our stage of life it is possible that in the foreseeable future one of use...we don't know which.... will have to give up driving on health grounds,  whilst the other one will continue to be the driver.

 

Can anyone think of a way we can both preserve our (full) No Claims Discounts while only insuring one vehicle,  when one of us will be the policy holder (and eligible for NCD) while the other will merely be a named driver (and presumably not eligible for NCD).  Presumably the one who is a named driver will see his or her NCD lapse. 

 

For the time being we will both be regularly driving the car,  and using it the same amount.  But we want to keep our options open for whatever scenario we find ourselves in a few years down the road.

 

Many years ago,  when we both used the same car for business purposes,   we had a Dual Driver Policy in which we were both policyholders,  which had the effect we now desire,  but I can't find such a policy in the marketplace these days.

 

Does anyone know any different,  or have any suggestions?

Try the Insurance thread above ?

@Zarniwoop - Well it's been a while now, but Direct Line gave me an "introductory discount" based on how long I'd been driving claim free on my father's policy when I got my first car.

Yes, I suggest you ask this question on the Adrian Flux or Chris Knott sections just a bit further down, sure they'd be happy to advise/assist.

 

HTH

Richard

As Keith as suggested, there are insurers out there that will match your NBC from your wife/husband's policy as long as certain criteria is met. 

 

Personally, if it were me and I was hellbent on retaining both sets I would use your NCB one year and then your wife's the following, switching them each year. 

 

Unless the rules have changed since I got out of the industry back in 2013, you are able to sit on your NBC for two years without use before they are no longer accepted, although if you return to the same insurers they may give you three years. (As it was for all insurers under the RBS banner when I was there)

Hi,

Yes the majority of insurers will accept NCD up to 2 years old. We do also have a number of scheme that will accept it for periods of up to 3 years.

Regards,

Dan.