No claims as named driver

You might find an insurer who's willing to accept some of your old no-claims discount. It usually depends on:. If you stand to lose a big bonus, it's worth speaking to your old insurance company when you're shopping around for new cover. They might agree to recognise some of your expired no-claims bonus if you sign up with them again.

No-claims bonuses only apply to the "main driver". That means if you're married or living with someone and you share a car , you can't share your no-claims bonus. Only one of you can be the main driver. They're usually the owner of the car, or its ' registered keeper ', but not always. It's the main driver who gets the reward for no claims, even if there are other named drivers on the policy or the car is owned by someone else.

There are some companies that will let you transfer a no-claims discount to someone else, a husband who's stopped driving, to his wife, for example. It's pretty unusual, but not unheard of. But there are other ways to get around it. One way is to switch the main driver every year. That way, neither of you goes more than a year without being insured, so your no-claims bonus is safe. But you have to be really careful with this.

The main driver has to be the person who drives the car the most. If a named driver does the bulk of the driving, that's a kind of fraud called "fronting". Most temporary car insurance policies don't add to your no-claims bonus - even if they're comprehensive.

And you can't usually use your no-claims bonus to get a cheaper temporary car insurance policy, either. And that's because no-claims discounts only apply for every full year of insurance you go claim free. It's pretty rare for car insurance companies to let you build up a no-claims discount as a named driver on someone else's policy.

But it does exist. That means you can't keep hold of your no-claims bonus for longer than 2 years if you're only driving as a named driver on other people's policies. If you've been driving someone else's car as a named driver and then decide to take out your own car insurance, you won't get any benefit from not making any claims on their policy. There are a few companies that will let you build up a no-claims bonus as a named driver, but you'll only be able to use it if you take out your own car insurance with them.

If you're a named driver as well as having your own insurance, and you make a claim as a named driver, you won't usually lose your no-claims bonus. Most of the time it affects the policyholder. You can transfer your no-claims bonus to a new car, if you switch your car mid-way through your policy. However, our motor premium calculation will include the discount to which you are entitled. Each policyholder on the MultiCar policy builds up their own no claims bonus.

If one policyholder makes a claim and loses some or all of their no claims bonus, it doesn't affect the other policyholders. MultiCover includes home insurance with your existing MultiCar Insurance.

It's a great way to reduce the time you spend on the phone to an insurance agent as well as the number of policies you need to keep track of. If you make a claim on your home insurance while on a MultiCover policy it won't affect your motor no claims bonus. Mirroring NCB for a second car is not a guarantee and is subject to criteria including the policyholder being the main user of both vehicles, claim-free, over years-old and a new policy only.

If you're a new customer and you need to submit your no claims bonus proof from your previous insurers, you can do so through our online form. Lifestyle Guides No claims bonus - how it works to give you discount.

Justin Beddows 26 October Updated 13 October 5 minute read. What is a no claims bonus? Can I bring my bonus with me from another insurer?

What happens if I make a claim? What if the accident wasn't my fault? By Jackiecsd , Monday at in Motor Insurance. Hi, can someone advise me please? I have been a named driver on my partners car for 12 years but he recently died and I need to insure myself in my own right. Can I claim any no claims discount as a named driver? Some insurance providers may give a named driver a discount — provided they take out their own policy at a later date.

Have we helped you? If you want advice on your Topic please PM me a link to your thread. Whilst Andyorch is correct in essence, I would suggest that you contact a local insurance agent preferably face to face as they will have a wider range of Insurers able to help in this instance than online comparison sites who deal mainly with straightforward cases. If your partner was with the same company for several years, you could approach them with a view to an enhanced initial discount as they will have a record of your history as named driver one assumes that this good?

My time as a Police Officer and subsequently time working within the Motor Trade gives me certain insights into the problems that consumers may encounter. If you have found my post helpful, please enhance my reputation by clicking on the Heart.

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