One car, two drivers, both earn/keep no claims possible?
Discussion
Hi, I was hoping for a bit of advice on a situation that must be fairly common.
Currently my wife and I each have our own car but due to lack of use we're selling one of them and going down to a one car family. We both have 6+ years of protected no claims bonus and obviously neither of us wants to lose that for when we get a second car again in the future. The one car we'll keep will be equally driven by both of us for social and commuting (we work at the same place so take turns driving) so what are the options for us?
I remember hearing that no claims are valid for a couple of years of not driving?, if this is the case than we could toggle who is the main driver each year to keep them both active. Are there any insurance companies that allow both main and named drivers to earn or at least maintain no claims?
Thanks for any help,
Ross
Currently my wife and I each have our own car but due to lack of use we're selling one of them and going down to a one car family. We both have 6+ years of protected no claims bonus and obviously neither of us wants to lose that for when we get a second car again in the future. The one car we'll keep will be equally driven by both of us for social and commuting (we work at the same place so take turns driving) so what are the options for us?
I remember hearing that no claims are valid for a couple of years of not driving?, if this is the case than we could toggle who is the main driver each year to keep them both active. Are there any insurance companies that allow both main and named drivers to earn or at least maintain no claims?
Thanks for any help,
Ross
I'd give someone like Admiral (their flexible multicar policy springs to mind) and see if you can set up a policy on one car for two separate drivers.
Might be a little more but you'll both keep your no claims going and not risk the insurers throwing a wobbly thinking your named driver has actually done more miles than the main.
Might be a little more but you'll both keep your no claims going and not risk the insurers throwing a wobbly thinking your named driver has actually done more miles than the main.
kambites said:
Some insurers offer NCBs for named drivers, but I have no idea whether other insurers then honour them.
The key thing to realise is that there's no database of how much NCB you have - a lot of insurers simply take your word for it wheras others may (at worst) ask for proof from your previous insurer.So the bottom-line is that the most you'll need is a letter from your last insurer (your renewal or even policy documents will often work) which says "X years NCB" on it.
I actually suspect that your NCB might be a bit like the value of your car - something they ask you but otherwise take zero notice of (e.g. they calculate your premium based on your driving/insurance history which IS recorded).
Krikkit said:
I'd give someone like Admiral (their flexible multicar policy springs to mind) and see if you can set up a policy on one car for two separate drivers.
Might be a little more but you'll both keep your no claims going and not risk the insurers throwing a wobbly thinking your named driver has actually done more miles than the main.
Yeah that was one of my worries with swapping each year, we genuinely do share the driving equally but don't know if the insurers will believe it.Might be a little more but you'll both keep your no claims going and not risk the insurers throwing a wobbly thinking your named driver has actually done more miles than the main.
Krikkit said:
Might be a little more but you'll both keep your no claims going and not risk the insurers throwing a wobbly thinking your named driver has actually done more miles than the main.
"Main" driver is not, necessarily, the one who does the most miles...The whole issue of 'main' driver is a thorny one - in theory tho, it's the driver who uses the car most (note - that's different to how many miles driven).
Example: Someone I worked with used his car every weekend to do 200-500 miles trips - as well as the odd drive in the evenings - wheras his son used the car during weekdays to commute a 5 mile round-trip. The Dad was the 'main driver' - when his son had an accident they noted he was using the car for work and thus the car was in his possession for far, far longer (5 days instead of 2) and thus started a nasty squabble over whether he was properly insured/they'd been honest about it.
Best way around this is to outline usage and let the insurer decide how to proceed.
If they won't play ball and you're facing loss of NCB for one party - buy a shed and insure that instead
Edited by johnpeat on Tuesday 29th May 14:12
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