No claims bonus Car advice?

bery_451

I have 2 cars each with their own seperate different insurance company policy. Both policies started at the same time.

If I dont make a claim does that mean I have 2 years no claims bonus (1 year from each car x 2)?

Quentin

No.

Each policy builds its own ncd. So you will have 2 policies each with one year's ncd.

bery_451

Quentin wrote: »

No.

Each policy builds its own ncd. So you will have 2 policies each with one year's ncd.

so you cant combine the 2?

I know I dont have 2 years NCB but dont I have technically a 'total' of 2 years NCB's by combining them both?

forgotmyname

You cannot add them together. You have 1 years no claims.

Quentin

bery_451 wrote: »

so you cant combine the 2?...

No .

vaio

It certainly wouldn't be common but just as some insurers will "mirror" ncb if you go from one to two cars then I can't see any logical reason why, if you were going from two to one car, you couldn't combine the ncb.

You'd need to talk to a broker or direct to an insurer though as it's outside the normal thinking of the sales force.

bery_451

ok another question about ncb.

whats the maximum ncb a driver can have?

lets say driver has the maximum ncb years and loses it by making a claim. does he/she has to build his/her ncb from 0 scratch again?

FlameCloud

bery_451 wrote: »

ok another question about ncb.

whats the maximum ncb a driver can have?

lets say driver has the maximum ncb years and loses it by making a claim. does he/she has to build his/her ncb from 0 scratch again?

It varies from insurer to insurer. Most common is 5, although some are higher than this, and the % in premium drop is a lot lower than getting to 5 years.

Again, it depends. Most will knock off 2 years NCD for a fault claim, pptaking you back to 3 is you already have 5.

One thing to note is that is you go to an insurer that only recognises 5 years NCD with a higher amount, any extra will invariably be lost in the renewal notice so it is wise to keep copies of previous renewals.

zeon999

Flamecloud has answered this already but just to back whats already been said.

You would normally be classed as someone with 2 separate NCB of 1 year.

These in normal cases would not ever be combined to give you a 2 year total. If your very lucky as mentioned you may find a broker help you to do the equivalent of mirroring NCB, though in this type of case I highly doubt it.

As for maximum, it changes from company to company but the standard is 5yrs, some will go up to 9yrs. When you claim you normally lose 2 years NCB, so if:

You had 1 = 0
You Had 2 = 0
You had 3 = 1
You had 4 = 2
You had 5 = 3

With companies you had max of 9yrs they are normally then 3yrs.

You had 6 = 3
You had 7 = 3
You had 8 = 3
You had 9 = 3

Timkitchen

No, you can not combine them.

bery_451

ok how about for jan 2011 to jan 2012 I earned my 1 year ncb then jun 2012 to jun 2013 i earn another 1 year ncb. Both of these ncb's are from different insurance companies. Can i combine them and make it 2 years ncb?