NCB from different vehicles during same year

[Deleted User]

Could someone advise if it is possible to accrue 2 or more years worth of NCBs within 1 year by being insured on separate vehicles during the same year.

i.e. if I insure myself on my Impreza with one company and on a run around astravan which i use for taking the dogs places with either a different company or same company as impreza but on a separate policy? Could I then show I have 2 years NCBs next year on a policy?

Or is it simply a case you can only accrue 1 years NCB within that year period?

scheming_gypsy

you'll accrue two separate one year policies.

[Deleted User]

scheming_gypsy wrote: »

you'll accrue two separate one year policies.

So does that mean I can claim 2 years NCB the following year or only 1?

mikey72

Only one, You will have two seperate ncd, but also one will be on a van policy which you can't use on a car later.

[Deleted User]

mikey72 wrote: »

Only one, You will have two seperate ncd, but also one will be on a van policy which you can't use on a car later.

OK, ignore the fact it's a van... because I could also insure myself on a 3rd car in the house.

Why can't I claim 2 years NCB, I have effectively earned them?

It shouldn't matter they are for different vehicles, plenty of times in the past I have used my NCB from a previous car on a new one.

Are you saying that if I take out policy A on 01/01/11 any other separate policy taken out between 01/01/11 and 21/12/11 would not earn a valid NCB to be used in the future?

scheming_gypsy

you earn a years NCD on each policy and you can't swap and change. What you're saying is that a 17 year old could buy 10 very cheap to insure cars, insure them all for the first year and then in his second year of driving; have 10 years NCD

mikey72

[Deleted User] wrote:

OK, ignore the fact it's a van... because I could also insure myself on a 3rd car in the house.

Why can't I claim 2 years NCB, I have effectively earned them?

It shouldn't matter they are for different vehicles, plenty of times in the past I have used my NCB from a previous car on a new one.

Are you saying that if I take out policy A on 01/01/11 any other separate policy taken out between 01/01/11 and 21/12/11 would not earn a valid NCB to be used in the future?

You can't amalganate ncd's. You can insure two cars the next year both with 1 years ncd though.
I currrently have two cars insured, both with full ncd after doing this for several year.

[Deleted User]

scheming_gypsy wrote: »

you earn a years NCD on each policy and you can't swap and change. What you're saying is that a 17 year old could buy 10 very cheap to insure cars, insure them all for the first year and then in his second year of driving; have 10 years NCD

Ridiculous... I'd like you to find a cheap policy for someone in that situation which would actually make financial sense... it would cost a stupid initial outlay on the numerous policies for very little gain... you'd be out of pocket for a very long time doing that.

What I am saying is if you have 2/3 cars you drive on a regular basis, 10-15k miles per year in each. Then you should be rewarded with 2 years worth of NCBs for use the following year.

When the insurance company asks for your proof of NCB, I will effectively have 2, so I should surely be allowed to use them.

It's not a scam, its simply seeking to be duly rewarded for not claiming on either policy.

mikey72

Run it past your insurer, and post back.

[Deleted User]

Yup, task for Monday I suppose, ring a few up and query it.

scheming_gypsy

[Deleted User] wrote:

Ridiculous... I'd like you to find a cheap policy for someone in that situation which would actually make financial sense... it would cost a stupid initial outlay on the numerous policies for very little gain... you'd be out of pocket for a very long time doing that.

it isn't ridiculous as it's exactly the same as you're saying.

What I am saying is if you have 2/3 cars you drive on a regular basis, 10-15k miles per year in each. Then you should be rewarded with 2 years worth of NCBs for use the following year.

what you're saying is that you want the system to change to suit you.

When the insurance company asks for your proof of NCB, I will effectively have 2, so I should surely be allowed to use them.

It's not a scam, its simply seeking to be duly rewarded for not claiming on either policy.

you don't effectively have two years NCD, you have two one year NCD bonuses. Or should you use your two years on one car and then take out another policy to gain another year which will give you 4 years after only 2 years of driving.