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Car insurance - No Claims Discount

edited 30 November -1 at 1:00AM in Insurance & Life Assurance
2 replies 428 views
gravers007gravers007 Forumite
21 posts
edited 30 November -1 at 1:00AM in Insurance & Life Assurance
Really stumped in finding details on this so hopefully you can help.

I previously leased a car (Car A) for 2 years which went back in Sept 2017. In the lead up to that date I bought another car (Car B) in June 2017. So for a period of 4 months I had 2 cars.

By the time i had returned Car A to the lease company i had 2 years no claims on it.

I've recently renewed Car B's insurance and assumed that I could use the 2 years NCD I had accrued on Car A, as well as the 1 year I had just completed on Car B, for a total of 3 years No Claims Discount.

The new insurer on Car B have now said that I cannot pool the No Claims earned on two different vehicles onto 1 car. Apparently it is a practice known as "clubbing" and is an industry standard. I've tried searching the internet for details on this definition but can't find anything!

Q1. Is what they've told me accurate, and what they've done is standard industry practice?

Q2. If they are correct and clubbing is not allowed - can I use the 2 years NCD I earned on Car A or do I have to use the 1 year I earned on Car B?

Thanks in advance for the help!

Replies

  • rs65rs65 Forumite
    5.5K posts
    Eighth Anniversary 1,000 Posts Combo Breaker Car Insurance Carver!
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    Not heard it called clubbing but quite normal.
  • gravers007 wrote: »
    Q1. Is what they've told me accurate, and what they've done is standard industry practice?

    Yes. You can only use the no claims from one policy. So you have to pick which one. If you get a second car within the next two years then you can use the no claims from the other policy on that, but after two years you will lose that year's no claims.
    gravers007 wrote: »
    Q2. If they are correct and clubbing is not allowed - can I use the 2 years NCD I earned on Car A or do I have to use the 1 year I earned on Car B?

    As long as you have proof of the two years no claims then, yes, you can use that.
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