Earning NCB on second car?

digisatman

digisatman

digisatman

Associate
Joined
8 Oct 2006
Posts
1,236
Hi all,

My previous insurer was admiral, where I had 2 cars insured.

Now, I have changed insurer to More Than and they are not recognising the NCB I earned on my second car during my years with Admiral. Only the NCB I earned on primary car.

Is this normal? Do I need to stay with the stay insurer in order to gain discount from NCB earned on second cars?
 
Surely you only earn NCB on one car??

Otherwise you could buy 10 £100 cars, insure each of them, and then have 10 years NCB otherwise...
 
To me it makes perfect sense. You can only drive one car at once, so you'll have one years' no claims bonus at the end of one year :) The bonus is measured by the number of years and not the number of cars :)
 
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Not sure that is entirely right. I have two cars insured and each has their own no claims bonus. When I insured the second car I was given a bonus couple of years then each year it has increased.

Whilst each policy has no claims I wouldn't be able to add them together though, if that makes sense.

Jack
 
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Mabye I didnt explain it properly!

If I insure:
Car A full comp for 6 years
Car B full comp for 6 years

At the same time, shouldnt I accumulate NCB for 6 years for BOTH cars, so hence moving onto another insurer I can get a discount from both cars as I have NCB for two cars?
 
Yes. I do this. I have 7 years+ on one car and 4 years on another. I can apply the ncb to any car I wish. I have changed insurers and cars many times over the period of owning two or more cars.
 
digisatman said:
Mabye I didnt explain it properly!

If I insure:
Car A full comp for 6 years
Car B full comp for 6 years

At the same time, shouldnt I accumulate NCB for 6 years for BOTH cars, so hence moving onto another insurer I can get a discount from both cars as I have NCB for two cars?
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In that case you have two policies with 6 years ncd. This can be used to insure your two cars with insurers of your choice. If you sell one of your cars the no claims earned on this car will remain valid for up to two years depending on insurer.
 
Solaris said:
NCB is on you as a person, not on the car...

You have only been 1 person for that 6 years, so one lot of NCB.
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Not true. You can have two sets of ncb just as you can have two policies. See my post above.

Jack Regan has put it quite nicely above too.
 
digisatman said:
I called up current insurer More Than, and they advised if I leave them, the NCB on second car will dissapear, and they say this is common?
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You will not be able to transfer any introductory bonus they gave you. Some insurers will match your ncd from your first policy, but this is not earned ncd and is usually not recognised by other insurers.
 
Solaris said:
NCB is on you as a person, not on the car...

You have only been 1 person for that 6 years, so one lot of NCB.
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Nonsense.

If you have one car with 6 years NCB and you buy another, you can't apply your NCB to that car. It has to earn its own.

If you have two cars each with their own NCB, then you can apply those NCBs to any two cars.

What you can't do is use two NCBs on one car, i.e. when you move from two cars to one.
 
Disco Boy said:
Nonsense.

If you have one car with 6 years NCB and you buy another, you can't apply your NCB to that car. It has to earn its own.

If you have two cars each with their own NCB, then you can apply those NCBs to any two cars.

What you can't do is use two NCBs on one car, i.e. when you move from two cars to one.
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You sure? I dont see why you couldnt send both proof of ncb say 2 years on one and 4 on another to make six years ncb? its still six years no claims bonus. you cant say that the fact its on different companies makes a difference either as its transferable from company to company.
 
As mentioned several times the NCB is per policy and not per person or per car.

I have two policies; one for my Golf and one for my Corrado. They are with different companies. Therefore I can transfer either policy onto a new car.

However you can't add the two policies together.

Also, I think that a multicar policy (e.g. Admiral) won't acrue two sets of NCB because it's simply a single policy that allows you to insure multiple cars.
 
Hades said:
Also, I think that a multicar policy (e.g. Admiral) won't acrue two sets of NCB because it's simply a single policy that allows you to insure multiple cars.
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Nope, you build up NCB on each car. Whether it's later transferrable, I don't know.
 
miniyazz said:
Nope, you build up NCB on each car. Whether it's later transferrable, I don't know.
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Taken from the Admiral site:

http://www.admiral.com/car-insuranc...****s-guide/how-the-no-claims-bonus-works.php

What about No Claims Bonus with MultiCar?

Each driver on the MultiCar policy builds up their own No Claims Bonus (it works the same way as named drivers, above). If one driver on the policy makes a claim and loses some or all of their No Claims Bonus, it doesn't affect the other drivers - their No Claims Bonus stays the same.
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So I think we're both slightly wrong. It looks like it is each person on a policy that acrues NCB. But that still looks to me like you can't take multiple NCB to other insurers from a multicar policy.
 
Rich1988 said:
You sure?


I dont see why you couldnt send both proof of ncb say 2 years on one and 4 on another to make six years ncb? its still six years no claims bonus. you cant say that the fact its on different companies makes a difference either as its transferable from company to company.
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Yes I'm sure.
 
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