Can I transfer my no claims discount?
In theory you can transfer your no claims discount (NCD) but it’s at the discretion of your car insurer and you’ll only be able to transfer it to your spouse or partner. Some insurers will define ‘partner’ as anyone you’re in a relationship with and living at the same address at – it doesn’t just have to be your husband/wife or civil partner. However, in most cases, your insurer will want to see that whoever you’re transferring your NCD to, has been driving long enough to accrue the level of no claims that you’ve built up.
What about car tax, can I transfer that?
Sadly, no. You can’t transfer car tax to anyone, not even your spouse or partner. If you give your car to a family member (how generous of you) you’ll need to cancel your existing car tax and wait for a refund from the DVLA. Whoever you’re giving the car to, will need to amend the log book (or V5C to give it its technical name) to show that they are the new registered keeper.
A point to note is that the registered keeper of a car, doesn’t have to be the owner of the car. The registered keeper is the person who drives the car and keeps it, the owner is defined as the person who bought it.
How do I find the right car insurance for me?
The best way to find the right car insurance is to be honest and accurate about how you use your car. Consider things like what you use your car for – whether it’s business or social, how many miles you drive a year and where you keep it. Think about whether you’re likely to drive abroad and if you’ll then need European cover. Once you’ve got that sorted, start comparing the market and remember, cheapest isn’t always best – you’re unique and your policy should reflect that. So start a quote with us today, tell us a bit about you and what type of policy you think you’ll need and we’ll do all the leg work for you – just see how much you could save!