A no-claims discount normally belongs to the policyholder who earned it. Some insurers recognise a spouse or partner's named-driver history or offer an introductory discount, but this is not the same as automatically transferring another person's no-claims discount.

How insurers commonly treat this

• Named drivers do not necessarily build a conventional no-claims discount.
• Insurers differ in the driving-history evidence they accept.
• A transfer of a no-claims discount should only be entered on a proposal where the insurer accepts that transfer.

What the quotation may ask for

Quotation forms use the information supplied to determine which insurers can offer cover and on what terms. Where the available answer does not accurately describe the circumstances, the insurer or comparison provider can clarify how that information is recorded.