Can I have 2 Car Insurance Policies??

Quentin

Correct .

Quote

OP - IF you both have claim and conviction free driving records then I'm certain there will be at least half a dozen insurers desperate to insure your second car, in either yours or your wife's name, and will be prepared to duplicate/mirror the NCD you already have.

ikkle87

There is two options here OP:-

1, If you have NCB seperate to your company car then you could insure the car in your name with your NCB, however if this is the case your wife as a named driver still wont have NCB of her own and although some companies will accept NDNCB not all of them will.

2, Ask the insurer if they will do a 2nd car policy for IAP/IAS, normally in this case if the female is the main driver and owner/keeper then the company will match the NCB on her policy.

dti2k

ikkle87 wrote: »

There is two options here OP:-

1, If you have NCB seperate to your company car then you could insure the car in your name with your NCB, however if this is the case your wife as a named driver still wont have NCB of her own and although some companies will accept NDNCB not all of them will.

2, Ask the insurer if they will do a 2nd car policy for IAP/IAS, normally in this case if the female is the main driver and owner/keeper then the company will match the NCB on her policy.

What is OP, IAP and IAS???

Cheers :beer:

dti2k

MX5huggy wrote: »

In a similar situation, wife with loads of driving experience but no NCB, I used A Plan they gave her 3 years NCB, all above board.

Bletchley office is 01908 271 771

Cheers for the recomendation. I will give them a try.

dti2k

shelly wrote: »

I would hope that with 13 yrs NCB the OP protects it! IMO would be silly not to.
Also having to make a claim when you have full NCB but don't protect it wouldn't lose you everything, only a 2-3 years.

Thanks Shelley, I do have my NCD protected.:D

davetrousers

Do insurance companies acknowledge 13 years of claim free driving with 13 years no claims discount?

Quentin

Not usually for ncb. They usually have 5 years as the max for ncb purposes.

If you make a claim (on a non protected policy), you would normally drop down two steps at renewal (ie. to 3years discount level, irrespective of how many years you had previously)