I have 40 yrs of driving never a claim. Wife has 20 years without a claim ( would have more but drove through a huge puddle and killed engine) Seems max ncd most insurance company's give is 7 yrs so the other 13 yr claim free is irrelevant . We have two vehicles , one in wife's name one in mine. It seems to me if one of us has an accident other insurance company will put premium up as a driver named on policy Had an accident. Also are we then stuck with insurance company we made claim through as if we changed we would have to declare accident putting premium up regardless. This totaly confuses me.