Build up 2 separate NCDs? Definitive answer?

Soootylad

Soootylad

Soootylad

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How do folks,

So I've read all sorts of answers to this, but does anybody know where I can find the definitive answer to the question of whether you can build up separate and independent NCDs on multiple vehicles?

Some sources say a driver can only have one NCD, and they apply it to just one car, all others sit at zero.

Some say they've seen policies that mirror the NCD?

The logical answer to me is that if you buy a second car, it starts from scratch and builds up on its own, but it does build up...

Anybody know? I'm specifically looking at it as I'm about to buy a bike so will need a second insurance policy but I'm curious in a 2 car situation too...
 
Yeah i've got 2 policies which build up quite happily each year, when i first got my 2nd car my insurer was nice enough to give me 2 years NCD on the new car to get my business
 
And this is definitely fine and not something that although technically possible would result in a get-out clause for the company come claim time?
 
There is zero recourse for the insurer, provided that you have given them no factually inaccurate information or ignored any assumptions stated when taking out the policy
 
I've known a few people do it and do it myself... nothing wrong with 2x NCD

It began when I added a second car and the new insurer gave me honourary NCD based on the NCD that was valid on the other vehicle... this then turned into real NCD at their discretion and has grown separately.

I now have 6 + 5 years of NCD when technically, I should really only have about 8.




I don't like the system at all though... if you are insuring 1 person on as many vehicles as you like, why can't that same NCD apply to all vehicles? You can only drive one of them at a time...

Then 1 accident in 1 of the vehicles reduces your NCD... simples.

As it is at the moment, if I had an accident in one of the vehicles and was found to be at fault... I would lose only 2-3 years on one of the vehicles, not both :S



So some insurers clearly and plainly honour it. As long as you're open and honest with them when you take out the policy and declare what you have to, they have no recourse to deny and claim and you have broken no law.



Depending on the vehicles/insurer... you may get a greater discount by having a multi-car policy.



One funny thing I have seen is that you can split you're NCD and then re-combine it, without any rule broken.

Say you had 3 years NCD on 1 car... you then bought 2 new cars (3 total) and had the 3 years split between the three, so the 3 on the first car was reduced to 1 and the other two were each given 1 year as well.

You continued to insure all 3 cars for the next 3 years... giving you 4+4+4... finally, you sell the two extra cars and go back to just one... you are then able to consolidate that into 1x 12 years NCD.
 
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That depends on the insurer, I have never heard of ncb from a single policy being split up between cars....but then again I have never had any reason to try and do so.

You also rarely get any significant benefit beyond circa 5 years ncb so recombining wouldn't make much of a dofference
 
Yep, two separate policies, two lots of NCD.
Use my long term NCD for the more expensive policy. and the toy gets put on the other one.
 
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