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Am I entitled to no claims bonus as a named driver?

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iib 20 Mar 2009
For over 45 years I have been a named driver on my husband's car insurance. During this time I have not been involved in any accident nor had any claim on the insurance. Hypothetically, if something were to happen to my husband and I needed to get the insurance in my name, could I get a No claims discount on the premium?

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Driver SOS (UK)

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Driver SOS (UK)

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2897 members . 1217 topics . 2221 posts
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raihanraza 18 Oct 2019

Been named driver on father's policy, can I use his claims bonus on my own car now?

Hi, I'm named driver on my father's car. We have  7 years no claim bonus. Now I've got my own car, can I use my father's no claim bonus for my new car insurance regard atikah

[Migrated from previous topic 11385 dated 07 Sep 2010]

gices 18 Oct 2019

Normally when you're a named driver, you do not earn any no claims bonus. It is only the main driver (policyholder) who will get that. However certain insurers will give you a discount if as a named driver you haven't made any claims whilst being on the car insurance policy and most importantly, you are going to get a policy with the same insurer.

If you're changing insurer (that is if it is not the same one as your dad's), then you won't be able to do this. If you're staying with the same insurance company, then you can contact them to see if they are willing to give you a discount now that you're taking your own car insurance policy.

[Migrated from previous post 1233 dated 07 Sep 2010]

gices 20 Mar 2009

Brown,

Generally, no claims discount is given to the main driver, that is, the policyholder and any additional drivers on the policy gets nothing even if they have been driving without any claims. However in 2006, Direct Line launched a scheme to reward named drivers with a discount but it is not at the same rate that a policyholder will actually get. Anyway something is better than nothing and a few other companies (2-3 more) have followed the same rewarding structure.

So to answer your question, you will need to check whether the company with which you're insured gives no claims to named drivers and if it does, how much discount you will be entitled to as only a few companies follow this practice.