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My Vehicle is currently a PHV, under my company name. I intend to convert it to a private/personal(P10/P11??) so that I can save on the insurance cost. For information purpose, my insurance and road tax is due 30th December, so I suppose the timeline is rather tight. A few questions: 1. As it is under my company's name, I will be transferring ownership to my own name so that the vehicle can be under P10/P11 scheme. Question: Does converting to a company car (N16??) save on insurance cost as well? If so, do I stick with my company's ownership or proceed with the transfer? 2. Given the tight timeline (30th December due), does it make sense to renew the current commercial PHV policy so that I can proceed to renew my insurance, or is it still do-able to get a personal/company car(depending on advice from no.1) policy? If I renew current commercial commercial PHV and get personal/company policy later in the new year, does it get pro-rate and refunded? 3. If there is a transfer of ownership (PHV to personal), does the NCD get renewed? For example, I am in my 3rd year of NCD for my PHV. Am I still eligible for NCD when I purchase a personal/company(again depending on no.1) policy? Appreciate your time and advice!!

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