Transfer no claims discount to another person

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J
gices
J
S
D

Can my father transfer some or all of his no claims discount to me, if so with what companies?

6 Replies

gices
gices Level 6

No claims bonus can be transferred from husband to wife but it is at the discretion of the insurers, that is, some may allow you to do so and others may not. It is best to check with your current insurer to see if that's possible at all. Although some insurance companies allow this to be done between spouse, they would ask you to take out a policy with them as they will not issue a proof of transferred NCB for the other driver that you can use with a different insurer.

The NCB may not be comparable to what the driver who earned it in the first place would have gotten as discount:

Insurance with 5 years NCB for the person who actually earned it: £400 Insurance with 5 years NCB transferred to spouse: £650

If you check on comparison websites, you may notice the figures above.

Once you've transferred your NCD to someone else, you cannot use the discount on another policy and more importantly, you start back at zero NCB and your premiums will rocket, so make sure you know what you're getting yourself into.

Previous answer, still valid for some insurers

Unfortunately transferring no claims discount from one person to another is not possible. It will defeat the purpose of getting no claims discount (NCD) as well since the no claims bonus is like a reward for drivers for their good driving, that is not being involved in any accidents or making any claims to the insurance company. Therefore your dad cannot transfer his no claims bonus to you!

However, no claims discount is transferable from one insurance company to another. So, if you have 2 years NCD from one insurance company and then go with another company which offers you a better quote, you will be able to use that NCD from your previous insurance company to your new one. After another year of driving without any claims, you will be entitled to 3 years NCD (for this example) and you will be able to transfer the 3 years NCD to a new insurance company, should you change company once more.

You might be interested in building no claims discount as a named driver though, which means that even though you are not the main driver (policyholder) but driving as an additional driver on your dad's insurance policy, you will get NCD as a named driver afterwards.

J
james_7 Level 1

NCD is 100% transferrable between domestic partners, all you have to do is send your partners renewal / proof of ncd with a letter from her stating that she is handing her ncd over to you. Aviva lets you do so anyway.

1 Reply
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delmonte1 Level 1

Can I insure a car that my wife owns and is registered keeper?

My wife has recently passed her UK driving test after her allocated time to drive on her Ugandan licence ran out and has purchased a new car. The car she drives at the moment is registered/insured by myself with her as named driver. Is it possible to transfer the insurance and no claims to my wife to reduce costs with me as named driver?

gices
gices Level 6

You can insure a car that you don't own. However many insurance companies have started to decline quotes where the policy holder (main driver) is not the registered keeper. So you will find it hard to get someone to provide cover for yourself. As far as no claims is concerned, you cannot transfer NCB from one person to another. This is because NCB is a reward that's been given to you for not making any claims to your insurer (no fault accidents) and having the ability to transfer it to another person would defeat the purpose of knowing the risk factor associated with a particular driver.

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SusanBuckley Level 1

Can I transfer no claims to a named driver on the same policy?

gices
gices Level 6

Susan,

You can't do that - no claims discount is given on a person to person basis and is not transferable to another person.

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