NCD for two cars

retireetobe

Hello, I wonder if anyone can help?


Eighteen months ago I bought an old 4 x 4 to use as a work-horse while I do up my house. I have a nicer car that I use day-to-day. I'm the registered owner and keeper of both, and the only one who drives them as my wife has her own. I added the 4x4 onto our multicar policy and renewed that multicar policy six months later in 2017, and all has been well with no claims or incidents.

Now it's renewal time again and the multicar is not competitive - all three come out cheaper on individual policies. However, when I checked the multi-car renewal notice all three cars are showing their own individual 10 year NCB. My own 'nice' car is entitled to the NCB presumably, but I now gather the 4x4 shouldn't have any? Or maybe just the one year?

Playing with comparisons, the 4x4 premium almost doubles when I put in just one year NCB. Is the renewal notice a mistake and should I ignore it and just pay the high premium for my 4x4? Or am I legitimately entitled to it? I genuinely don't want to fiddle cheaper premiums than I'm entitled to, but equally I don't want to pay more than necessary.

The brave thing to do would be to simply ring the multi-car provider and ask them - but I'm worried they might say I entered the wrong information 18 months ago and backdate me a premium increase!

DCFC79

Who is the insurer ?

Are you basically asking which number of years your 4x4 has ?

retireetobe

Hi, thanks for replying
The current insurer is Aviva. My question is whether I can legitimately put in 10 years NCD when I get quotes for the 4x4 or whether I'd be compounding some mistake (either mine or Aviva's) and I should just put in one year's NCD, which almost doubles the premium.


The renewal notice does say 10 years, but I don't know if that can be right - I've only had two cars for 18 months, so probably that's the most NCD the 4x4 I could have earned? Or else I've misunderstood the entire NCD concept. I don't want to ring Aviva and ask in case they say I've underpaid for 18 months.....

DCFC79

I don't think the 4x4 would have 10 years NCB, Id say it would only have the 1 year (could be wrong), apologies I can't help further, maybe ask Aviva but without giving away your name etc.

marlot

When I got an extra car Aviva gave me full NCD on the second car as long as I stayed with them for two yeas.

forgotmyname

Pose as a new customer and ask the question if i bring 2 cars to you, 1 with 10 years no claims and a 2nd car with zero years, how many years no claims do i have if i was to leave after 1 year or 2 years.