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@CYOA
Question about car insurance.
I only started driving a couple of years ago when my son was born (2017?)
I use my wife's car. She hadn't really driven since she passed her test but bought a car the year before he was born.
She has had a full license for 16 years but started driving again (and being insured) in 2016. That gives her a 3 year no claims bonus.
I am on the insurance as a named driver / spouse of registered owner/keeper etc.
Is it worth me sucking up the extra cost to have my own insurance (or I'll effectively never have any no claims bonus myself) or is that not a thing? I'm being quoted 600 for the most basic comp insurance. She's being quoted 375 (windscreen/acident/courtesy car). Both with a £500 excess. Is a NCB worth it (in which case, carry on using hers or start my own) or will our age and time since passing a test be more relevant in the future? Neither have ever had any accidents/claims etc.