3rd car in family only 2 drivers, how to get no claims

ajs64

We currently have 3 cars in our family but only 2 drivers. Both drivers are on maximum no claims for their respective vehicles. The 3rd car is 12 years old and will do very little mileage and is worth at the most £200. We are going to use it as a mobile skip while we renovate our house to take stuff to the dump!! Does anyone know if any insurer will allow us to use no claims bonuses which are already tied to one of our main cars?

Bogof_Babe

I wish I knew the answer to this, as I have just spent a frustrating half hour on the phone regarding a similar situation. We have just bought another car to add to our collection, most of which are classics so only taken out on the road about once a year. This latest one is not a classic, it is to be a runaround. We already have another runaround but it is 20 years old so we want something a bit more reliable, but as my OH hates to part with any of his cars, for the time being it will be an addition not a replacement.

I got into quite an argument with the bloke at the Insurance co. (won't say which one) because he was insisting we transferred the NCB from one of our current cars to the new one, or start from scratch with no NCB. I can't get my head around how you can transfer something that hasn't happened. I would have thought it would be the driver who the NCB related to, not the vehicle. Neither of us have ever made a claim, and we have about 65 years experience between us.

I think this NCB racket is just a scam to get more money out of us. Going back to zero increased our online quote by £80, which seems ludicrous.

I hope you get some helpful replies, and btw welcome to the site - it's great here .

mrtg0525

ajs64 wrote: »

We currently have 3 cars in our family but only 2 drivers. Both drivers are on maximum no claims for their respective vehicles. The 3rd car is 12 years old and will do very little mileage and is worth at the most £200. We are going to use it as a mobile skip while we renovate our house to take stuff to the dump!! Does anyone know if any insurer will allow us to use no claims bonuses which are already tied to one of our main cars?

I'd say it depends how long you want to keep your mobile skip - AFAIR Nationwide allows you to keep a second car on the same policy for up to 90 days/year. I know I made good use of that last year when I acquired a few cars that turned from mobile to immobile a bit quicker than planned...

MarkyMarkD

Some insurance companies will let you have another vehicle and match the NCB. But that would involve changing the insurance on one of your other cars to such a company before adding the new vehicle on as well.

Mrtg0525's idea is sort of a good one, but if you add another vehicle most insurers will charge you the equivalent of the premium without NCB on the extra vehicle. But it's certainly a better short-term option than taking out an annual policy, then cancelling part-way through the year and incurring cancellation penalties.

Andy_L

Depending on your policy wording one of you could own the car and the other have it covered 3rd party only under the "driving other cars not owned by you" section. You won't be able to get it taxed which may be an issue depending on how much it's got left.

shelly

Bogof_Babe wrote: »

I got into quite an argument with the bloke at the Insurance co. (won't say which one) because he was insisting we transferred the NCB from one of our current cars to the new one, or start from scratch with no NCB. I can't get my head around how you can transfer something that hasn't happened.

From experience you have been told correctly. When we got car B hubby had full NCB on car A. We were told that we had to move the NCB from car A to car B or start car B from 0 NCB. Hubby moved the full NCB from car A to car B and as it was renewal time we insured both cars with them they matched the full NCB hubby had on both cars for the first year only. After the first year car A was at 1 yr NCB and car B kept the full NCB.

Bogof_Babe wrote: »

I would have thought it would be the driver who the NCB related to, not the vehicle.

That is true. NCB is related to the driver but if you want NCB on more than one car you have to earn it with more than one policy. i.e hubby has full NCB on car B but only 2 years on car A. Both cars are on seperate policies.

jimthejimjim

I've seen an advert on TV recently about multi car policies. I think it was Admiral but can't be 100% sure. I have never used them before so couldn't say what their like but it's maybe worth enquiring?

MarkyMarkD

I don't believe that Admiral's multi-car policy idea gets around the NCB problem. It's also not necessarily good value.