Transfer no claims discount to another person

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.