Insurance query - 3 drivers, 2 cars, maintaining NCB?

[SlowV6]

Hi all,

Mods - apologies if this is in the wrong forum.

I have a simple (possibly dumb!) query. Our daughter will soon be 17. Lets roll forward a year and assume she has passed her driving test.

Is it possible for 3 drivers to maintain/accrue NCB with only a 2-car fleet? At the moment we have 2 cars with the wife and I each being the policy holder on one of them. Is it possible for our daughter to accrue NCB without buying a 3rd car where she would be the policy holder?

I am sure lots of us on here have been through this exact scenario.

Thanks in advance.

[Captain_Morgan]

Yes

Some multi car polices allow all drivers to accrue ncb.

Alternatively ncb expires after two years (generally, less often three), you & your wife alternate years insuring one car, your daughter insures the 2nd with you both as named drivers.
That is assuming your daughter will actually be the main driver of the 2nd car, if not then that would be considered insurance fronting with all the negative aspects attached including the potential for the policy being cancelled & your daughter having to disclose a cancelled policy whenever reinsuring.

[bazza1603]

This has worked well for my son over the last year.

He drives my car, and earns his own no claims without risking mine. https://www.wearemarmalade.co.uk/named-young-drive...

[Missy Charm]

EmailAddress said:

I'm sure someone will gleefully correct me if I'm wrong but can your daughter not just have her own policy on whichever car she will be driving?

She won't be the registered keeper or a named driver.

Then she can build her own no claims on her own insurance.

As long as two policies don't try to claim at the same time on the same vehicle, for the same incident. There is no stipulation that only one thing can be insured by one company at any one time.

She can, but it will create a situation of double policies on the same car. Contrary to popular belief that is not unlawful, however it can have implications if a claim is made. The claim will be made by one driver, call her Claire, against her own policy. Claire's insurer, however, is entitled to make a secondary claim against the insurance policy of the other driver, call her Donna. The two companies will then need to reach agreement about who is to pay what to whom, and that can delay settlement - sometimes significantly delay settlement, in fact.

The other issue with double insurance is that both policyholders will end up with claims on their records, regardless of who was driving etc. A secondary named driver doesn't have this problem in the event of a claim from the policyholder.

[broadspeed1]

Just alternate who the policy holder is every year, easy.

[BertBert]

Captain_Morgan said:

Yes

Some multi car polices allow all drivers to accrue ncb.

.

This doesn't happen with the admiral multi car policy. That provides ncb to one person for each car, the so called policy holder in their terminology. So you get as many ncbs as cars.

Do the alternating thing someone has mentioned.

[SlowV6]

bazza1603 said:

This has worked well for my son over the last year.

He drives my car, and earns his own no claims without risking mine. https://www.wearemarmalade.co.uk/named-young-drive...

Thank you. Just to clarify, each time you drive you record the journey on the Marmalade app in the same way your son does?

[bazza1603]

Hi,

I have the app to watch what my son is up to, but it does not monitor my driving as I have the permissions turned off.

Works well as he passed his test within two months. We paid about £750 for a Corsa 2017 1.4 75HP.
Excess is £750.

Thanks

Barry

[dibblecorse]

Pick one car for your daughter to insure with you and your wife as named driver.

On the second car just alternate the policyholder between you and your wife.