big bad lindz Posted August 31, 2014 Report Share Posted August 31, 2014 I have been named driver on my wifes insurance for at least the past 10 years. This is mainly due to the fact that although it is a family car, it is in her name and as I work offshore she uses the car more than I do. We are looking at buying a new car soon and as she no longer works or has an income I dont think that she will be able to obtain a loan for a new car in her name. So I have been trying to find out if I am intitled to any no claims discount. We are fortuinate not to have had any claims in the past 10 years except windscreen replacements so I dont know if I qualify for a no claims discount. I have tried looking at the insurance web sites but I cant find an answer. Can anyone help or point me in the right direction. Cheers, BBL Quote Link to comment Share on other sites More sharing options...
Pushkin Posted August 31, 2014 Report Share Posted August 31, 2014 From what you have written, why do you not just leave the arrangement as it is? You will still be covered. Regards Pushkin B) Quote Link to comment Share on other sites More sharing options...
Pushkin Posted August 31, 2014 Report Share Posted August 31, 2014 From what you have written, why do you not just leave the arrangement as it is? You will still be covered. Regards Pushkin B) Quote Link to comment Share on other sites More sharing options...
big bad lindz Posted August 31, 2014 Author Report Share Posted August 31, 2014 From what you have written, why do you not just leave the arrangement as it is? You will still be covered. Regards Pushkin B) cheers, If the Mrs cant get a loan for the car it will have to be in my name and so I think I will have to be the main driver for the insurance. Dont know?? Quote Link to comment Share on other sites More sharing options...
figgy Posted August 31, 2014 Report Share Posted August 31, 2014 I've got cars in my name in the past,my wife was the named policy holder with me as named driver as it was she who was main user of the car. This will probably be the same with yourself due to work. Insurance companies insist the main user is the policy holder. Figgy Quote Link to comment Share on other sites More sharing options...
spannermonkeymark Posted August 31, 2014 Report Share Posted August 31, 2014 Buy the car in your name and register it in your wife's name that's what I did Quote Link to comment Share on other sites More sharing options...
Essex Keeper Posted August 31, 2014 Report Share Posted August 31, 2014 Phone the insurance company they should mirror the no claims as it on your wife's insurance. Quote Link to comment Share on other sites More sharing options...
lxtav Posted August 31, 2014 Report Share Posted August 31, 2014 It doesn't matter who buys the car the owner and registered keeper are not the same thing. The registered keeper is just the person responsible for the road tax, fines etc (ie saying who the driver was at the time) and is not necessarily the owner. Quote Link to comment Share on other sites More sharing options...
FoxyChris Posted August 31, 2014 Report Share Posted August 31, 2014 You won't be entitled to any no claims if you were just a names driver. However, you can buy the car in your name but have the insurance in your wife's name as you currently do. It's what me and the missus do now. The 'owner' (whose name is on the v5) and 'keeper' can 2 two different people and insurance companies recognise that couples may buy each other's cars. Quote Link to comment Share on other sites More sharing options...
robbiep Posted August 31, 2014 Report Share Posted August 31, 2014 You won't be entitled to any no claims if you were just a names driver. However, you can buy the car in your name but have the insurance in your wife's name as you currently do. It's what me and the missus do now. The 'owner' (whose name is on the v5) and 'keeper' can 2 two different people and insurance companies recognise that couples may buy each other's cars. Wrong. The KEEPER is listed on the V5. The V5 does not prove ownership. Quote Link to comment Share on other sites More sharing options...
Bird Man Posted August 31, 2014 Report Share Posted August 31, 2014 Ask the insurance company to transfer the bonus from your wife to yourself as this is sometimes possible with various insurance companies, but this only applies to a changes between married couples Quote Link to comment Share on other sites More sharing options...
sonicdmb Posted August 31, 2014 Report Share Posted August 31, 2014 Ask the insurance company to transfer the bonus from your wife to yourself as this is sometimes possible with various insurance companies, but this only applies to a changes between married couples Not necessarily some companies will give discount if you have been a named driver on any policy. My wife got hers being a named driver on her Mums. Just a thought whats stopping you getting a loan and buying the car cash, then you can register it however you want. Quote Link to comment Share on other sites More sharing options...
daystate 177 Posted August 31, 2014 Report Share Posted August 31, 2014 Buy the car in your name and register it in your wife's name that's what I did thats what i did when i bought the mrs a new car Quote Link to comment Share on other sites More sharing options...
longspoon Posted August 31, 2014 Report Share Posted August 31, 2014 It's down to the individual insurance company, some will let you "inherit" a percentage of the ncb, you'll need to contact them for a specific answer. Quote Link to comment Share on other sites More sharing options...
norfolk dumpling Posted September 4, 2014 Report Share Posted September 4, 2014 NCD is a bit of a misnomer these days and 'protected' is a real con. The rating structures used (by better insurers) look at a huge array of factors and if they like you ie right age, car, area, driving record etc etc then there is a price. They might then say you have 60% NCD for being a named driver wo incident for 3/4 years but this of course is a marketing ploy and an incentive to not lose said NCD!! 'Protected NCD' likewise sounds nice especially when some overweight actress tells you it's including 80% NCD but as time goes by and the insurers results improve/worsen or your driving deteriorates (even the best drivers can have a bad spell) so the insurer can adjust the gross or base premium and thus you may still have your precious 80% protected NCD but your premium has gone up by 20/25/30%! Get it? Quote Link to comment Share on other sites More sharing options...
88b Posted September 5, 2014 Report Share Posted September 5, 2014 Phone the insurance company they should mirror the no claims as it on your wife's insurance. I was in the same position , I phoned the company my wife was insured with as I was a named driver and they gave my 30% NCB instantly Quote Link to comment Share on other sites More sharing options...
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