I'm about to take possession of a company car, but I don't want to lose my NCD. Would it be possible/legal to get myself insured on my wife's car, in addition to her own policy? She'd still be registered owner and main keeper (and a full policy), I'd have a limited mileage policy or something just to keep the NCD alive.
No, but see if her company offers ncb for named drivers.
Pretty certain it's illegal to have two insurance policy's on the same car,I think your ncd will run for two years then you lose it .
Also think nowadays you can get ncd on company cars .
Pretty much what I thought, thanks. I guess when I finish with the company car I'll have to look at the insurers that consider driving history rather than NCB, either that or buy a nice sporty three cylinder Corsa!!
Insurers except a letter from company car owners of proof of their company car drivers record these days...
couldn't you wait a year then insure the wifes car in your name, then a year later she insures it again in her name etc
quote:
Originally posted by luke2152
couldn't you wait a year then insure the wifes car in your name, then a year later she insures it again in her name etc
If your worried just about losing your no claims, you have two years before it expires, adding to it is a different matter.
quote:
Originally posted by chrisxr2
If your worried just about losing your no claims, you have two years before it expires, adding to it is a different matter.
Just have a banger parked up to keep the insurance alive? You'd get it down to 200 a year with limited (no) mileage.
If you go down the old banger route, I can possibly offer a very cheap option. My wife was ill a few years ago and unable to drive for a time. We parked her car in the back garden and called the insurance company to cancel the policy; instead they offered to suspend the insurance. I think that it cost about £7 a month, the policy stayed live and she even "earned" additional NCD!
Some specialist insurers allow you to "park" your ncb even though it won't build. Worth asking
quote:
Originally posted by JoelP
Just have a banger parked up to keep the insurance alive? You'd get it down to 200 a year with limited (no) mileage.