Splitting no claims?

helpimcrap · 10 Mar 2017 at 17:30

Hi,
I have 2 cars. 9years no claims.
In insurance I have shadowed no claims on both.

However my insurance renewal is coming up and I thought I'd try something.

Can I apply 8years no claims to 1 vehicle and 8years to the other? I can save about 1/3 if I do it that way.

koooowweeee · 10 Mar 2017 at 17:44

You can only have it on 1 car.

On Holiday · 10 Mar 2017 at 17:47

Does no claims bonus on a per car basis really make any sense? It should be off the driver. Just another way to squeeze more £££

new boy · 10 Mar 2017 at 17:50

Maybe the issue is that if you had it on two cars with 2 different insurers, then claimed on one car, you could request a proof of no claims from the other insurer?

But I agree its all pretty stupid.

Simon · 10 Mar 2017 at 21:25

Most decent companies will mirror NCB onto another policy.

My NCB are on my S2000 and Sky mirrored it on the M3.

DereksDontRun · 10 Mar 2017 at 22:54

only options, as Simon said, find an insurer that will mirror the NCB, if not then doesn't a multicar policy cover multiple with 1 NCB?

Iamzod · 11 Mar 2017 at 13:50

Plenty O'Toole said:
Does no claims bonus on a per car basis really make any sense? It should be off the driver. Just another way to squeeze more £££

It is for the driver, but you can only use it on one car at a time otherwise people like me with 6 cars would be taking the mick.

muon · 11 Mar 2017 at 16:38

As mentioned, as long as you are the only driver for both cars, most insurers will give you the NCD to both.

helpimcrap · 12 Mar 2017 at 07:59

Found another way around it as advised by a mate. Down from £1k last year to to £1.1k+ this year to under £700. :cool:

Will advise next week when I know more definite things other than a quote as I will play Admiral off against them. :cool: