Hi
I don’t know if this is the right place to post this but I wasn’t sure where to.
Im after some advice. Up until very recently - like Saturday - my husband and I shared our car. He is the policy holder and main driver and I am a named driver , as he did most of the driving ( I much prefer being a passenger ! ) . However, he has just got a new job that includes a car, so that will now be his car and our car will pretty much be mine, I’ve also secured a new job that I will need the car for and on weekends etc we will use his car ( it’s a lot nicer and brand new so he will certainly not want to be driving our little car!! Men 🤣 ) so he won’t be driving our car at all , therefore we obviously now need to change the insurance so that it’s all above board …. Does anyone know how this works? Will it simply be a case of calling the company and telling them and they will just make me the main driver instead or will I have to start again , and will there be a deposit to be paid when we make that change like you have to pay when you get a new policy ?
He has said he will sort it all out this weekend , so I don’t really need to be seeking information like this but I’m a little worried as , financially , we could do without having to pay a few hundred pounds deposit this week!
Also, does anyone know how it works with NCD ? On the car , our car that’s now going to be mine , there is 4 years NCD , I believe he may be ‘using’ that for his new insurance ( this will teach me not to listen when he tells me things as I’m a bit confused 🤣)as he asked me to look how much we had and then said we need to change it this week as his new company for business insurance needs it and he can’t use it if he’s still on our car. Does this mean I’m going to start with 0 NCD ?
Thank you in advance x