My wife and I each had a car insured under a Direct Line multicar policy. We are both named drivers on each others policy. I recently sold my car and haven't found a replacement so told the insurance company that I didn't need separate insurance from the renewal date and opted to just be a named driver on my wife's policy. Will not having insurance in my own name prevent me from hiring a vehicle? Also, to retain our NCB I was thinking of alternating the main policy holder between my wife and I every 12 months. Is this do-able or would the insurance company try to stop us?