This is where things get tricky. If your wife no longer has a vehicle, she will lose her no claims. Do you both use the car equally? if you do, have her as the main driver, and you as the named driver next year (she can insure her self as the main driver on a vehicle she does not own). If she is not the main driver, you can find insurer's that will take into account that she has been on your policy when she comes to get another vehicle. Do you intend to get another car? Your no claims are kept for three years. You cannot - and never have been able to - have two sets of no claims on one policy, unless it was under a block family policy. And then, It is always assigned to the main policy holder. Try contacting independent brokers.