Ok when I retired we sold my car as it was the older of the two and kept the wife's. I was named on her insurance. Then 3 years later we bought a new car on 0% terms. But it had to be in my name as my wife was 5 years older than me and too old for the deal. So no problem it was in my name. However big shock as NCB now is life's for only 3 years whereas before it was life long. So I had to start again from 0 even though I had been driving for 52 years and never claimed in all that time. They did relent and give me 1 year NCB as my wife was the named driver. This year I am back to 5 years so next 6 years. However the rise in premiums, reported as 11% this last year alone wipes that out. So you really have to do some homework and always never auto renew, do comparisons and also try those that are not on compare sites, like Direct Line. Some extras are good and free for first year, like car rescue, loan car from day 1, legal aid & protected NCB. SO
1) who is the younger
2) who is in the better health
3) who has the bigger NCB
just some extra info. My wife died in January. I changed cars in April and at the same time removed my wife as a named driver. Now insurance companies like you to have a named driver on the policy, it also reduces the premium. So I added my daughter, just in case Icouldn't drive the car sometime. Now to my amazement the annual premium went down by £24/annum and I got £12 back. My daughter is 44 and doesn't live at the same address.
Hope this is useful
Edited by stimulator, 21 July 2017 - 08:41 PM.