Multiple NCB

Narf

I'm in a bit of a quandry at the moment. Car insurance is up for renewal in two weeks, I've searched round for quotes and all is well and good. £168 fully comp on a 09 plate Cee'd with 10 years NCB. Perfectly happy with that.

The problem arises when 3 days after renewal is due, my second car is delivered, which will be used purely for business purposes (it a driving school car and has a strict mileage allowance, so will need to keep my existing car for personal use - for this year, at least).

Obviously, my NCB can only be used by one of the cars. I've had a look and the insurance on my private car goes up by £100+. While the sensible thing to do would be to absorb the higher cost on the driving school car (business costs), this income stream is secondary; a part time job, so I don't want to incur costs I'm not earning enough to cover.

Here's my question - which insurance companies don't want to answer - I have NCB generated from using my own car. I'm also a named driver on my wife's policy, allegedly building up NCB too. Does this mean I have two lots of NCB I an legitimately on two other cars, or does having my own nullify the other?

SimonSays

Whats "fully comp" no such level of insurance. You mean Comprehensive. Its like saying "fully tpft"

Anyway I waffle.

Insurance Companies will answer it. I work for one so here is your answer.

Named drivers do not build up their own No Claims discount. Only the proposer of the insurance does.

EDIT Unless you are insured with a few companies who claim named drivers build up their own NCB however this is only valid when insuring with the same company.

Narf

Clearly, I'm showing my age. When I was growing up and first few insurance policies, it was always known as 'fully comp'. Being the curmudgeonly old git I am, I'll keep referring it to it as such.

I am aware that that named driver NCB would mean I have to go with the company it was earned through. The point is, if I am able to use 2 different NCBs and the cost of switching to my wifes insurer is cheaper than a policy showing zero no claims, it makes sense to do that.

The question remains though. Say my wife is with Direct Line and I'm a named driver earning the named driver NCB. Can I move my car over to Direct Line and use the no claims built up with them AND take the no claims I earned with, say Hastings, and put that on the driving school car?

ninetyfables

I'd insure your driving school car with your actual NCB,
then find an insurer who will mirror your bonus to your
other vehicle. Most insurers will do it. Make sure you ring them though, don't attempt a mirror on a comparison site because they often get done wrong, and not all companies will accept it.

PETIE

Narf wrote: »

Clearly, I'm showing my age. When I was growing up and first few insurance policies, it was always known as 'fully comp'. Being the curmudgeonly old git I am, I'll keep referring it to it as such.

I'm 28 and refer to it as fully comp too.

Simonsays is just being an !!! and he knows it, bet he says vehicle excise duty rather than road/car tax

System

Narf wrote: »

it was always known as 'fully comp'. Being the curmudgeonly old git I am, I'll keep referring it to it as such.

If there are degrees of cover available as options over and above what might be called "basic comp", it might reasonably be called "fully comp".
eg
Foreugn use
Named drivers
Legal costs
Lower excess
Business use

SimonSays

Its known as comprehensive. Your certificate will show Comprehensive.

anyway I wouldn't put the NCB on the driving school insurance as some providers class it as business insurance and most won't mirror across or accept it back.

Although don't take what I say for advice. Even though I'm qualified to give it I am not here. Seek assistance from an adviser. Also don't take what people on here as advice.

How am I being an donkey? anyhow

rs65

SimonSays wrote: »

Your certificate will show Comprehensive.

Are you sure?

PETIE

SimonSays wrote: »

How am I being an donkey? anyhow

Fully comp is not comprehensive, Thats how.

Being an insurance advisor as you claim, you know fair well what he means, hence you being an !!!

Narf

Just to calm things down a little and provide an update.

There seems to be a second problem in play in that a policy in my name is cheaper because I've held a licence longer than my wife (all of six years!), this means a policy in my name is cheaper because I have more driving experience. Anyway....

I've spoken to Admiral. The first call, I tried to get my wife's NCB mirrored on to me, but I was told by someone with an American sounding accent that was not possible.
I later rang back and enquired about a multi-car policy with both cars in my wifes' name as she will be the main driver for both - one for everyday use and the Land Rover for towing a horse box. The very helpful Welsh girl was more than happy to mirror the NCB my wife has built up onto the second car, but I wasn't too happy with the price. She then went away to see if there was anything else they could do to reduce the cost.
Admiral are happy to take my NCB that I will be using with another company and mirror that onto the second car. It's only a saving of around £40 but it's a great offer, and hats off to Admiral for doing that. Going above and beyond I think.

rudekid48

SimonSays wrote: »

Its known as comprehensive. Your certificate will show Comprehensive.

anyway I wouldn't put the NCB on the driving school insurance as some providers class it as business insurance and most won't mirror across or accept it back.

Although don't take what I say for advice. Even though I'm qualified to give it I am not here. Seek assistance from an adviser. Also don't take what people on here as advice.

How am I being an donkey? anyhow

Care to share what your qualifications are to do this?


If you work for an Insurer then surely all of your motor sales will be non-advised?