three

Here is what can be **sourced reliably from Admiral’s own documentation and related
material** about second/named drivers and no claims bonus (NCB). For an **old
policy wording** confirming what Admiral *used to* state about named drivers
earning NCB, the only publicly accessible reference I have found is a
**reproduction of an older policy booklet** (likely from around 2010-2014) which
states very clearly how this worked:

### 📄 Extract from an older Admiral policy booklet (historical)

A policy document reproduction labelled *AD116 – Policybook – 0110* includes this

> **“Any no claims bonus earned by a named driver on your policy is valid only on
another Admiral policy. Should that policy cancel, we will only provide a no claims
bonus showing the no claims bonus earned on that policy and not include any no
claims bonus accrued as a named driver.”** ([Scribd][1])

This wording clearly shows that:

* Named drivers **did earn their own NCB** while on the policy.
* That NCB was only recognised **if the named driver later took out another Admiral
policy**.
* The NCB accrued as a named driver wouldn’t automatically be shown beyond Admiral
or if that policy was cancelled. ([Scribd][1])

### 🚘 Current official positions from Admiral

Admiral’s current publicly available guides and published information focus on NCB
for the main driver and MultiCar setups, but do *not* include explicit named driver
accrual wording in the main web articles:

* Admiral’s guide on how the no claims bonus works explains NCB accrual for
policyholders and details claims impact. It *does not* explicitly cover named
drivers. ([Admiral][2])
* Admiral’s “other drivers” guide describes that if an accident happens with a
named/other driver, it affects the policy’s NCB (for the main driver). ([Admiral]
[3])
* Admiral’s policy document download area lists current policy booklets and IPIDs,
but these are behind login/“MyAccount” and not directly visible publicly.
([Admiral][4])

### 🧾 Notes for your situation

* The historic clause from the older policy booklet is the **only publicly
presented specific wording** about named drivers accruing their own NCB that I
could locate. ([Scribd][1])
* Admiral’s *current* online content does not repeat that clause for named drivers
— and their more recent guides emphasise NCB for **policyholders** and for **each
policyholder on MultiCar**, not named drivers on single policies. ([Admiral][2])
* Industry consensus (e.g. MoneySavingExpert threads) notes that while some
insurers used to allow named drivers to accrue NCB with them that could be used
later, **this is insurer-specific and not universally recognised by other
insurers**. ([MoneySavingExpert Forum][5])

### 📌 What you could do next

1. **Access your own archived policy documents** (your “Policy Booklet” or “Your
Agreement with EUI Ltd”) from your Admiral MyAccount for the relevant years; that
will be the strongest direct evidence. ([Admiral][4])
2. **Contact Admiral in writing** asking them to provide a copy of the specific
wording from your old documents that refer to named driver NCB accrual.
3. If needed, **escalate via formal complaint** or send to the Financial Ombudsman
Service with the historic clause from the old policy booklet as supporting evidence
that *at least that policy wording existed*. ([[Link]][6])

If you want, I can help draft a letter/email template to Admiral (or the Ombudsman)
quoting the exact historic wording above.

[1]: [Link]
utm_source=[Link] "AD116 - Policybook - 0110 | PDF | Vehicle Insurance"
[2]: [Link]
works?utm_source=[Link] "No claims bonus: how it gives you a discount"
[3]: [Link]
utm_source=[Link] "Adding an additional driver to your car insurance"
[4]: [Link]
utm_source=[Link] "Policy documents and booklets"
[5]: [Link]
for-named-drivers?utm_source=[Link] "No Claims / Discounts for named drivers"
[6]: [Link]
utm_source=[Link] "Decision Reference DRN-4572591"