DH and I both have cars. I have had one for longer and so have a full NCB, whereas DH hasn't and also I seem to end up crashing with his car and so he is back to zero.
I think his car is in a higher insurance bracket than mine, so is it possible to swop over the insurances so that one is under my name and vice versa? I do tend to drive "his" car more often than "mine" anyway.