Confusion over insurance

50Twuncle

I am looking for a multi car policy for my new car and my wifes car...


Aviva appears to offer what I am looking for except for on https://www.aviva.co.uk/multicar-insurance/
it says
"Each vehicle’s no claim discount is kept separately. So if one vehicle has an accident, the other vehicle’s NCD isn’t affected."


I always thought that it was the person, not the vehicle, who earned NCD ?

50Twuncle

I figured it out - my quote (using 10 years NCD) - £159
My wifes (identical car - 1 year older) - 1 year NCD - £108
Both fully comp... same excess etc.
On Aviva
How come the wifes is so much cheaper ?
I thought that the rules changed 2 years ago to ensure gender equality ?

Aretnap

50Twuncle wrote: »

I am looking for a multi car policy for my new car and my wifes car...


Aviva appears to offer what I am looking for except for on https://www.aviva.co.uk/multicar-insurance/
it says
"Each vehicle’s no claim discount is kept separately. So if one vehicle has an accident, the other vehicle’s NCD isn’t affected."


I always thought that it was the person, not the vehicle, who earned NCD ?

NCD is linked to the policy itself - so effectively the vehicle. If your car is involved in an accident it will be the NCD associated with the policy on your car which is affected - regardless of whether you or your wife was driving at the time.

Aretnap

50Twuncle wrote: »

How come the wifes is so much cheaper ?
I thought that the rules changed 2 years ago to ensure gender equality ?

Yes, but there are many factors which could be at play. Does your wife have the same occupation as you? Does she do the same number of miles? Does only one of you use the car for business/commuting? Was one of you with Aviva already - in which case you won't be getting a new customer discount. etc etc

I don't know how old you are but even before the rules changed gender only really made a big difference for younger drivers. By the time you get to middle age there's not a big difference between the sexes in terms of risk. In old age men are, if anything, slightly safer.

50Twuncle

Aretnap wrote: »

Yes, but there are many factors which could be at play. Does your wife have the same occupation as you? Does she do the same number of miles? Does only one of you use the car for business/commuting? Was one of you with Aviva already - in which case you won't be getting a new customer discount. etc etc

I don't know how old you are but even before the rules changed gender only really made a big difference for younger drivers. By the time you get to middle age there's not a big difference between the sexes in terms of risk. In old age men are, if anything, slightly safer.

My wife works part time - as do I
Mileage - 8000 each
Mine included commuting - yes
I was a customer 2 years ago
I am 50 - my wife is 45

InsideInsurance

50Twuncle wrote: »

My wife works part time - as do I
Mileage - 8000 each
Mine included commuting - yes
I was a customer 2 years ago
I am 50 - my wife is 45

Is it the same job though?

You have an age difference which may partially explain it


NCD is a slightly odd thing, it is linked to a person but its not like your claims history in that the same gets declared to all cars you insure. If you have 1 car with 3 years NCD on it and buy a second car for weekend fun that car has 0 NCD. The following year you'd have 4 years NCD on one and 1 years NCD on another.

If you then decided to sell the second car you cannot combine its NCD with the other to give you 5 years but you have one 4 year NCD in use and an unused 1 year NCD which will "die" in 2 years if not associated to another policy.

[Deleted User]

50Twuncle wrote: »

I am looking for a multi car policy for my new car and my wifes car...


Aviva appears to offer what I am looking for except for on https://www.aviva.co.uk/multicar-insurance/
it says
"Each vehicle’s no claim discount is kept separately. So if one vehicle has an accident, the other vehicle’s NCD isn’t affected."


I always thought that it was the person, not the vehicle, who earned NCD ?

Hi 50Twuncle,

There will be many different factors contributing to both yours and your wife's insurance premiums, which will cause differences in the price. I appreciate how confusing it can be and I'm more than happy to look over your quote and ensure everything is correct and you both have the right level of cover to suit your needs. I can also go into detail about how each of your no claims discount will work and how it will be effected if either of you were to have an accident.

If you'd like me to do this, please send me and email to social@aviva.co.uk. For data protection purposes, could you please included the following in your message:

- Your MSE username
- Full name
- Date of birth
- Post code
- Quote number

Once we have these details, we'll look into your quote asap and get back to you with a reply.

Thanks in advance,

Nicki
Aviva Online Team

50Twuncle

Aviva_company_representative wrote: »

Hi 50Twuncle,

There will be many different factors contributing to both yours and your wife's insurance premiums, which will cause differences in the price. I appreciate how confusing it can be and I'm more than happy to look over your quote and ensure everything is correct and you both have the right level of cover to suit your needs. I can also go into detail about how each of your no claims discount will work and how it will be effected if either of you were to have an accident.

If you'd like me to do this, please send me and email to [EMAIL="social@aviva.co.uk"]social@aviva.co.uk[/EMAIL]. For data protection purposes, could you please included the following in your message:

- Your MSE username
- Full name
- Date of birth
- Post code
- Quote number

Once we have these details, we'll look into your quote asap and get back to you with a reply.

Thanks in advance,

Nicki
Aviva Online Team

Thanks Nicki,
Email sent...