One car, two people, insurance
Discussion
My wife and I have always had a car each, and had our own insurance each, with each other as named drivers. We used both cars pretty equally between us, using whichever was the best suited.
However, we are now moving to one car between us as that’s all we need now that personal circumstances have changed.
How do we keep both our no claims bonus intact in case we ever go back to two cars? Do we swap the insurance over between us every year as the main insurance holder so that we renew within two years to keep the no claims? Would that possibly be ‘fronting’ as we even though we do expect to use the one car evenly inevitably one of us will drive it a little more than the other?
Bit confused by this to be honest.
However, we are now moving to one car between us as that’s all we need now that personal circumstances have changed.
How do we keep both our no claims bonus intact in case we ever go back to two cars? Do we swap the insurance over between us every year as the main insurance holder so that we renew within two years to keep the no claims? Would that possibly be ‘fronting’ as we even though we do expect to use the one car evenly inevitably one of us will drive it a little more than the other?
Bit confused by this to be honest.
the annual swapping would be a nightmare in my eyes.
Ask one of your current insurers as they may keep a record of one of your NCBs for future use - its also worth checking if there is a universal 'expiry date' for unused NCB.
Keep your own record too.
EDIT: AF quote 2 years as an expiry https://www.adrianflux.co.uk/expired-ncb/
Ask one of your current insurers as they may keep a record of one of your NCBs for future use - its also worth checking if there is a universal 'expiry date' for unused NCB.
Keep your own record too.
EDIT: AF quote 2 years as an expiry https://www.adrianflux.co.uk/expired-ncb/
JonnyO said:
My wife and I have always had a car each, and had our own insurance each, with each other as named drivers. We used both cars pretty equally between us, using whichever was the best suited.
However, we are now moving to one car between us as that’s all we need now that personal circumstances have changed.
How do we keep both our no claims bonus intact in case we ever go back to two cars? Do we swap the insurance over between us every year as the main insurance holder so that we renew within two years to keep the no claims? Would that possibly be ‘fronting’ as we even though we do expect to use the one car evenly inevitably one of us will drive it a little more than the other?
Bit confused by this to be honest.
That's exactly what I'd do in that situation - swap every year. No more hassle than searching each year anyway.However, we are now moving to one car between us as that’s all we need now that personal circumstances have changed.
How do we keep both our no claims bonus intact in case we ever go back to two cars? Do we swap the insurance over between us every year as the main insurance holder so that we renew within two years to keep the no claims? Would that possibly be ‘fronting’ as we even though we do expect to use the one car evenly inevitably one of us will drive it a little more than the other?
Bit confused by this to be honest.
I don't belive there's any 'fronting' issue between a husband and wife. I moved the car that wife uses but I own into her name as policyholder (so she'd have DOC cover) and insurer (LV=) told they didn't care which way it was done or who was declared as main driver.
If your wife needed insurance in the future then she could get the current insurer to confirm she'd driven x yrs without a claim. They might even mirror the NCB on another policy. Often insurers give introductory discounts.
If your wife needed insurance in the future then she could get the current insurer to confirm she'd driven x yrs without a claim. They might even mirror the NCB on another policy. Often insurers give introductory discounts.
Pretty much hit the nail on the head in your first post as to what you need to do.
The only issue I can forsee is if for example the car is registered in your name but your wife is policy holder with you as named driver, in the event of an accident would the insurer ask questions? I don't know the answer myself.
I have been in the position where I was driving a car as my sole vehicle which was registered to my wife and she was a named driver but the circumstances were slightly different in that she had a new car which was her primary car and we didn't want to add another registered keeper when it was between husband and wife at the same address, and I was driving her old car. I told the insurer and they were fine about it but your situation is slightly different so you may need to make that query.
The only issue I can forsee is if for example the car is registered in your name but your wife is policy holder with you as named driver, in the event of an accident would the insurer ask questions? I don't know the answer myself.
I have been in the position where I was driving a car as my sole vehicle which was registered to my wife and she was a named driver but the circumstances were slightly different in that she had a new car which was her primary car and we didn't want to add another registered keeper when it was between husband and wife at the same address, and I was driving her old car. I told the insurer and they were fine about it but your situation is slightly different so you may need to make that query.
You are normally asked if you are the RK when you change insurers/policies. When the answer is "no" every other year, you can just say it's my hasbeen/wife who is and you'll be fine.
There are no universal rules around NCD it's a bit of a free for all, just some common conventions. It's a thing given according to your current insurer's "rules" and then taken by a new insurer according to their "rules".
Bert
There are no universal rules around NCD it's a bit of a free for all, just some common conventions. It's a thing given according to your current insurer's "rules" and then taken by a new insurer according to their "rules".
Bert
A few weeks back I sold my car and wanted to keep the policy in place but on my partners car (she has her own policy on which I am a named driver). Admiral told me that whilst I am insured as a named driver on her policy I could not have my own policy on the car.
They did say that if I took myself off her policy we could have 2 different policies running on the same vehicle, providing neither of us was named on the other policy.
This would obviously mean paying double premiums (premia?) but would allow you each retain/build your no claims.
They did say that if I took myself off her policy we could have 2 different policies running on the same vehicle, providing neither of us was named on the other policy.
This would obviously mean paying double premiums (premia?) but would allow you each retain/build your no claims.
BertBert said:
You are normally asked if you are the RK when you change insurers/policies. When the answer is "no" every other year, you can just say it's my hasbeen/wife who is and you'll be fine.
There are no universal rules around NCD it's a bit of a free for all, just some common conventions. It's a thing given according to your current insurer's "rules" and then taken by a new insurer according to their "rules".
Bert
You'll be fine unless she finds out what you called her. There are no universal rules around NCD it's a bit of a free for all, just some common conventions. It's a thing given according to your current insurer's "rules" and then taken by a new insurer according to their "rules".
Bert
CanAm said:
BertBert said:
You are normally asked if you are the RK when you change insurers/policies. When the answer is "no" every other year, you can just say it's my hasbeen/wife who is and you'll be fine.
There are no universal rules around NCD it's a bit of a free for all, just some common conventions. It's a thing given according to your current insurer's "rules" and then taken by a new insurer according to their "rules".
Bert
You'll be fine unless she finds out what you called her. There are no universal rules around NCD it's a bit of a free for all, just some common conventions. It's a thing given according to your current insurer's "rules" and then taken by a new insurer according to their "rules".
Bert
We done the same, many years ago and we both keep our no claims going in the hope one day we can afford a car each. Been doing this for about 12 yrs now with no issues at all.
Every other year or every 2 years we swap the insurance into the others name, car is always registered in my name and it’s never been an issue. No extra hassle to do a quote in each other’s name every other year.
Every other year or every 2 years we swap the insurance into the others name, car is always registered in my name and it’s never been an issue. No extra hassle to do a quote in each other’s name every other year.
We’ve done exactly the same as I’m working from home on going so we don’t need the second car.
LV (current insurer) have said we can call and change the main driver for NCD accrual at any point. Advice was to swap main driver at each renewal as NCD is valid for 2 years. Two points, said needed to be married and you aren’t accruing as a name driver. Not an issue for us as we’ve both got 9 years + NCD.
LV (current insurer) have said we can call and change the main driver for NCD accrual at any point. Advice was to swap main driver at each renewal as NCD is valid for 2 years. Two points, said needed to be married and you aren’t accruing as a name driver. Not an issue for us as we’ve both got 9 years + NCD.
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