As NCD is attached to the policyholder, common industry practice is that transfer of NCD to another person is not allowed. We, however understand that there may be cases where the vehicle ownership may be swapped between spouses and you would have to align the policyholder with the owner of the vehicle. To this extent, we accept transfer of NCD between spouses. NCD can also be transferred by the policyholder to any new car if the old car is sold.