NCB only on one car?

jonneymendoza

jonneymendoza

jonneymendoza

Caporegime
Joined
7 Apr 2008
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Lorville - Hurston
Hi Guys so i received my new audi a3 sportsback a few weeks ago and got it insured etc but when i submitted my NCB of around 9 years, my new insurer has stated that this is invalid as its from my previous car and that NCB only applies to a specific car!

This is terrible? Why penalise someone that upgrades there cars once in a while by NCB not being allowed or carried over to the next car/insurer?

i dont understand this..

Anyways my current insurer is asking for an additional premium of 570 just to transfer my NCB on another vehicle? Is this right?

This is with Direct Line btw.
 
It's complete bull. NCD is tied to the driver not the vehicle.
Are you sure they don't think you're trying to run it against 2 cars at once?

Some companies will allow you to mirror NCD across policies, most won't.
 
There is more to this story, you have either not understood or not correctly explained what you were told.

NCD (assuming that's what you meant) is 100% transferable from one car to another.
 
That doesn't seem right to me. The only thing I can think that might affect this is that if your previous insurance was a work/business policy where it can't be transferred over. Has the insurance always been in your name?

Edit: Have you actually cancelled the insurance on your old car? It might be the system thinking that you still use it?
 
Just seen your post on Audi-Sport and was about to reply there. I've never come across a "car specific" no claims bonus on a "normal" policy, nor can I find anything about it when googling.

Seems like a cop-out to me. OR you potentially have some kind of specialist policy, like a classic or suchlike.
 
ok i just read my previous policy and it cancel/ends in 10 days(but i have already sold the old car and notified my previous insurer to cancel my old insurance).

On my previous insurer i paid monthly and as a result october 15th was the cut off date for when either it gets renewed(which it wont) or expires.

I am guessing that for my NCB to be transfered, i have to wait until the 15th october?
 
The NCB applies to the policy you still have running so you need to cancel it if you want to use the NCB elsewhere. Fairly simple.
 
I can see your insurer writing this years NCB off as you've cancelled the policy early even if it is only 10 days till it would expire.
 
Hi there

I run two cars:

Mustang: Regular policy with 7yr NCB.
M3: Insured on a classic limited mileage policy where NCB has no effect on policy price only past vehicle ownership and accident status.

Mustang cost me around £400 of mods declared and the M3 has an uplifted insurance value agreed in writing and all mods declared and track cover at £480 per year.
 
Gibbo said:
Hi there

I run two cars:

Mustang: Regular policy with 7yr NCB.
M3: Insured on a classic limited mileage policy where NCB has no effect on policy price only past vehicle ownership and accident status.

Mustang cost me around £400 of mods declared and the M3 has an uplifted insurance value agreed in writing and all mods declared and track cover at £480 per year.
Click to expand...

How does any of that relate to the OPs situation? He only has one car.
 
You're trying to use NCB which is still in use on a policy for your old car? Small wonder they rejected it. Why didn't you just change the existing policy over to the new car?
 
[TW]Fox;30073896 said:
How does any of that relate to the OPs situation? He only has one car.
Click to expand...

Teach me to read the OP properly and not assume he was talking about insuring two cars, LOL.
 
Your option is to continue the current policy by changing the car on it. Should cost too much extra, then when it ends swap to the cheapest quote.
 
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