Thanks for all the info. Particulary unclebulgaria. I'll see if I can find a company that will transfer the NCD to my wife. I know about being only insured 3rd party is risky but its a lot less risky than letting my mother in law drive!

I recently got our car insurance renewal via e-mail. This year we discovered that as my wife is not the policy holder she is not entitled to drive other vehicles 3rd party only myself as the policy holder is. My wife is the main driver on this policy so I wanted to change it to her name so that she can driver other cars when required. For example when visiting her mother. However I was told by the insurer that we would then lose the 14 years of no claims bonus that has mostly been built up by my wife's use of the car. Any solution to this?