2 years no claims a year?

fizzle-187 · 28 Dec 2011 at 16:03

Is it true you can get 2 years no claims bonuses a year? Say if you've insured 2 cars fully comp and you're the main driver? Could be with different insurers?

Someone told me you can and I said it's nonsense but he's deadly serious! :/

Just want to confirm it with fellow ocuk'ers!

Axeboy · 28 Dec 2011 at 16:04

I get a years no claims for each car I have in the house, so, as far as I am aware, the other guy is correct. They have to be on different cars though and cant be combined of course.

fizzle-187 · 28 Dec 2011 at 16:07

Axeboy said:
I get a years no claims for each car I have in the house, so, as far as I am aware, the other guy is correct. They have to be on different cars though and cant be combined of course.

Different insurance companies? or the same?

Axeboy · 28 Dec 2011 at 16:09

This ones the same, but it doesnt matter, its on the car, not the person

fizzle-187 · 28 Dec 2011 at 16:13

Axeboy said:
This ones the same, but it doesnt matter, its on the car, not the person

Oh right, so I guess that's pretty good tbf I have 2 cars on the drive and will be insuring them both as main driver so I can build up my NCB quicker!

Axeboy · 28 Dec 2011 at 16:13

Well, as said above, they cant be combined, so itll be fine if you'll always have 2 cars.

Skeeter · 28 Dec 2011 at 16:15

They cannot be combined.

You will not be earning 2 years no claims, you will be earning 2 lots of 1 years no claims.

Dj_Jestar · 28 Dec 2011 at 16:17

As above. When it comes to insuring with another company, they will not honour multiple cars per year NCB.. only the highest of them. So if you have 1 car with 9 years NCB, and another with 5 years NCB, the new insurer will only honour the 9 years NCB.

fizzle-187 · 28 Dec 2011 at 16:19

Skeeter said:
They cannot be combined.

You will not be earning 2 years no claims, you will be earning 2 lots of 1 years no claims.

Oh, so I will only be receiving 1 years no claim?

Axeboy · 28 Dec 2011 at 16:20

yes, 1 year on each car.. so if you intend to have 2 cars its fine

Skeeter · 28 Dec 2011 at 16:22

fizzle-187 said:
Oh, so I will only be receiving 1 years no claim?

No, you will have 2 policies with 1 years NCB each. Any future policies will only accept NCB from a single prior policy.

If you have 10 cars for 1 year, you don't have 10 years NCB. You have 10 lots of 1 years NCB. You can only use 1 lot of NCB against a new policy, so 1 year.

fizzle-187 · 28 Dec 2011 at 16:22

Skeeter said:
No, you will have 2 policies with 1 years NCB each. Any future policies will only accept NCB from a single prior policy.

If you have 10 cars for 1 year, you don't have 10 years NCB. You have 10 lots of 1 years NCB. You can only use 1 lot of NCB against a new policy, so 1 year.

Oh right, thanks for clearing it up!