Does it matter who is a policy holder?

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So currently DH and I have a car each and a policy each (named drivers on each other’s car and a multi car policy).

I am about to get a new car, DH’s current car will mostly live in the garage (sports car!) and he will become the main driver of what is my current car. So I am the policy holder, but he would be the main driver, our insurer says this is fine, but just wanted to check if anyone else has done this as ChatGPT (I know, I know) is telling me that the main driver should be the policy holder, and ideally, the registered keeper.

(And I know I should just trust my insurer, but I worry the call handler may just be expressing opinion rather than fact!)

Only one of you will be able to have the benefit of having no claims. If your DH is the main driver on this car and his own car, sounds like you will lose your no claims discount.

It doesn’t matter who owns the car or is its registered keeper (as long as you’re honest about this when you take out insurance!).

The important thing is that the main driver of each car really is the main driver. For a while DH and I were the main drivers of the car owned by the other one (due to size of cars) - absolutely not interested in changing the owner name as that’d add an owner to the number of registered keepers. Insurance company didn’t car who owned what, but were very clear that we must be honest about who drove which are more often.

I currently own both of our cars. DH is named as the main driver on one of them (with his NCB associated) and I am main driver on the other. All good with the insurance company.

If you’re not honest about who the main driver is, it is called Car Insurance Fronting and is a form of fraud. Usually it is people naming an experienced safe driver as main driver to bring insurance cost down when really it is a less experienced younger driver using the car most of the time. Not legal!

The policy holder and main driver can be different people if you notify your insurer. Our documents used to clearly say for my car that DH was the policy holder and I was the main driver and I was earning the no claims (a hangover from when we had a multi car policy and then DH moved his to another insurer but he remained the policy holder)

I am the policyholder on my mum’s car (we live at the same address & I had NCD that was going to expire as got a company car) but she is listed as the main driver.

As long as the insurer knows, they can assess the risk & get the premium right.

This doesn’t apply if you’re married. There is a legal connection between parties so as long as main driver is recorded correctly, it doesn’t matter which is the policy holder.

Great thanks all. As we will be a main driver on at least one car I am assuming our NCB will be safe. I will only be neither for about a month whilst I wait for my new car but I gather that gap is fine.

Marriage is irrelevant to my post. Policy Holder (not mentioned in my post) is also irrelevant - the insurance company needs to know who the main driver is, regardless of marital status.

Can anyone explain this to me…when we tried to make the changes the call handler said DH will lose his NCB on my car, that made him panic and he ended the call lol. He’ll ring again tomorrow. But how would he lose NCB; he’s a policy holder and main driver of another car so presumably that’s keeping his NCB active, and he’s being upgraded to main driver of my car. Surely the only person at risk of losing NCB is me because I’m not going to be a main driver on either? Am I missing something?

Because you can only have it one car.

Ahhh ok thank you, so presumably that won’t matter as he’ll continue to have it on his other car?

Until DH got his own vehicle 10 years ago for the 20 previous I was the registered owner of any cars and the policy holder with DH as the main driver.