Car Insurance – Multiple cars/drivers NCD

Apologies for yet another car insurance thread, but I don’t think we’ve done this one yet.

We’ve insured our cars with Direct Line for as long as I can remember, which means we are probably getting a crap deal and I should at least look at alternatives. But when I look at the price comparison sites I realise that I’m not actually sure about some of the answers.

We have two cars, which I’d refer to as mine and my wife’s although technically I purchased them both so I’m the registered keeper for them both (on the V5). They are both insured through direct line and I’m the policy holder (and pay) for both policies. However, on my car I’m named at the primary driver with my wife as an additional driver and on her car she is named as the primary driver with me as an additional driver.

We both have protected no claims, but my wife did make a claim (at a guess) four years ago when a fence post jumped out in front of her.

So, if I’m looking to get a quote for “my car” can I say that I have over 9-years NCD (the maximum Direct Line seem to record) since I’ve not made a claim for my car, or do I have to list my wife’s accident since I’m technically the policy holder (even though she is named as the main driver on that policy)?

Also, if I wanted to get a quote for her car with her remaining as the main driver does she actually have any NCD? Direct Line still say we get 9+ years NCD (since it was protected) and she is named as the main driver, but not the policy holder.

Just been through this with our two cars. One is a Hyundai i20 which my wife uses for work as well as most of our general mileage. The other is a Ssangyong Rexton mainly bought to use as a tow car for a horsebox. My wife drives this more than I do. They were insured under separate names previously but I thought I would be truthful and take both policies in her name. This caused big problems; you can only use the NCB once for one car. But this was not clear until after several phone calls. We finally got it resolved with me as one policy holder and her as the other. We both had 9 yrs NCB as we had been separate policy holders before.

Some insurers allow spouse/partner transfer of NCD entitlement. Mine does/did when we did this.

Timely question. We are in a similar situation without the claim. So two drivers, two cars, two max NCD and two separate policies.

I was wondering if it is possible to do some sort of BOGOF deal, well combine them and at least reduce the overall bill