A tangent but may be of interest
Lost my D/licence on medical grounds March '14; like most we were down to single car with self as insured party/lead driver & wife as additional driver
Notified Ins Co & on basis that I could possibly get license back they kept policy in place with wife as lead driver thus maintaining NCD
At renewal this was maintained, however at recent renewal as I haven't got my licence back they started muttering about a New Policy in wife's name and consequential loss of NCD!!!
However the guy who I was dealing with pulled his finger out our full NCD has been transferred to her - only proviso is that should I get licence back then I would have to be the additional driver on her policy - no problem to me!!!
PZU- Out of Africa (Retired)