A NCD is usually only awarded to the policy holder. If you are a named driver on a policy, you cannot accrue any NCD on this vehicle, even if you are the owner of the car. However, if you have a valid and unexpired NCD from a previous policy where you were the main driver this could be applied to your new car. It’s important to note that an NCD can generally only be applied to one vehicle at a time so you’ll need to assess which vehicle you would rather apply this to.