Accidentally Insuring 2 cars with same NCB

4861O

Hello, long time lurker – first time poster.


I have a ‘hypothetical’ question about No Claims Bonus (NCB) discount.


As we all know you can only apply the years of NCB accrued on a policy to one vehicle at a time.


So if I had accrued 14 years on Car A’s active policy and then purchased Car B, it would not factor into buying Car B’s policy, and I would insure it with 0 years NCB as I couldn’t have the 14 years applied to both cars.


If due to the quirks of using online insurance comparison websites, and glancing over policy T&Cs - instead of reading them properly - you ended up insuring Car B with the 14 years discount, at the same time as it was being used on Car A, and it went unnoticed for 12 months, what would your options or the outcome be?


Obviously you couldn’t get a new policy for Car B after 12 months and say you had 15 years NCB as it is invalid as those NCB apply to Car’s A policy which is still active.


So should you ring the insurer and explain the mistake with the assumption they’d honour and thus send proof for the correct 1 years worth of NCB gained for Car B?


Would you risk them saying the policy was entirely void and blacklist you or notify the Motor Insurance Database that you had no policy for the last 12 months and thus get fined by DVLA?


Or would most likely they’ll laugh at you while they hang up and then you’d buy Car B’s new policy and claim 0 years NCB?


Although you could always gamble saying you had 1 years and hope your new insurer doesn’t ask for proof as morally you would.


Anyway just curious… I couldn’t have been stupid enough to have this oversight…:rotfl:


All the best,


K

custardy

If you ring up then the 1 years NCB will cost you the difference in cost for the previous years policy.

alfie1950

A lot of insurers ask for proof of NCB within a couple of weeks so it probably wouldn't get that far.
Some only ask for the proof once you've had an accident then your in the !!!!.
If it did get the he full year you would probably then get written proof with your renewal so you would be sorted.