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.