Married, cutting down to one car, no claims bonus.
Discussion
Up until now, my wife and I have had our own cars with our own insurance policies. We are both named drivers on each others so we can both drive about in whatever car suited the journey. (I'm not even sure if this is the correct thing to do, but thats how it is at the moment.)
We are thinking about cutting down to one car, but aren't sure how it will affect our respective no claims bonus. Obviously we both want to keep them and add to them (i'm under 5 years so would like to get at least that many.)
As far as i can tell, one of us will have to be main and holder, retaining the no claims and the other will have to be named and the no claims put on hold.
can anyone clear this up for me?
Thanks
We are thinking about cutting down to one car, but aren't sure how it will affect our respective no claims bonus. Obviously we both want to keep them and add to them (i'm under 5 years so would like to get at least that many.)
As far as i can tell, one of us will have to be main and holder, retaining the no claims and the other will have to be named and the no claims put on hold.
can anyone clear this up for me?
Thanks
Might they get different quotes due to various factors, e.g. occupation?
Anyway I was told husband and wife can swap No Claims Bonus once per year. We did this when we were shuffling vehicle ownership / registered keepers once for fairly complicated reasons. I had maximum NCB, about 12 years, the Mrs had about 8 or 9 as a named driver on my policy, they were quite happy to give her full NCB and put me as named driver.
Anyway I was told husband and wife can swap No Claims Bonus once per year. We did this when we were shuffling vehicle ownership / registered keepers once for fairly complicated reasons. I had maximum NCB, about 12 years, the Mrs had about 8 or 9 as a named driver on my policy, they were quite happy to give her full NCB and put me as named driver.
As has been said just swap who is the main driver each year and you'll both maintain your own NCD. No real problem with this as you're married, so unlikely to trigger any alarms.
elanfan said:
No they won't or if they do it will be against the law
Are you talking about the gender ruling? If so, WTF?? Are you suggesting that the OP and his wife are identical in all respects, other than their gender?
elanfan said:
No they won't or if they do it will be against the law
I think I can see where you are coming from. Assuming that one driver is actually the main driver of the vehicle, then if the non-main driver gets a cheaper quote by saying they are the main driver, then that would indeed be fronting (by definition).Bert
BertBert said:
I think I can see where you are coming from. Assuming that one driver is actually the main driver of the vehicle, then if the non-main driver gets a cheaper quote by saying they are the main driver, then that would indeed be fronting (by definition).
Bert
Technically it is. Pragmatically speaking its not going to be an issue for a married or genuinely cohabiting couple. Bert
LoonR1 said:
BertBert said:
I think I can see where you are coming from. Assuming that one driver is actually the main driver of the vehicle, then if the non-main driver gets a cheaper quote by saying they are the main driver, then that would indeed be fronting (by definition).
Bert
Technically it is. Pragmatically speaking its not going to be an issue for a married or genuinely cohabiting couple. Bert
It made little or no difference to the costs either way.
BertBert said:
Are you sure? The 17 year old that I have just married who is nigh on 30 years my junior has only just passed her test!
Bert
Now we're getting into pedantry, let alone barely legal territory. I'd rather not caveat every answer to cover every possible scenario if that's OK. Bert
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