No Claims Bonus car insurance 22 October 2022 at 6:56PM in Motoring 8 replies 174 views

Nico60

Does anybody know if, with 24+ years of NCB, I can actually split this in two to cover a pair of cars with up to 12 years NCB each?

thank you

400ixl

No, but you could speak to your insurer as to whether they will give an introductory NCD for the second policy.

Also 24+ years doesn't really exist in motor insurance. Many stop recognising at 9 years and most by 15.

Nico60

400ixl said:

No, but you could speak to your insurer as to whether they will give an introductory NCD for the second policy.

Also 24+ years doesn't really exist in motor insurance. Many stop recognising at 9 years and most by 15.

Thank you for that, and it is the main reason I am asking as my current insurer only gives me 9 years NCB at most.

400ixl

What is the purpose of the second car? Classic or summer car, another main car?

Nico60

400ixl said:

What is the purpose of the second car? Classic or summer car, another main car?

Summer Cabrio (hopefully becoming a classic)

DanDare999

Nico60 said:

400ixl said:

No, but you could speak to your insurer as to whether they will give an introductory NCD for the second policy.

Also 24+ years doesn't really exist in motor insurance. Many stop recognising at 9 years and most by 15.

Thank you for that, and it is the main reason I am asking as my current insurer only gives me 9 years NCB at most.

Not that it matters but when you leave them you'll only have proof of nine years no claims.

Mutton_Geoff

And even if you have 9+ years no claims on two separate vehicles, a claim against one policy hits the other as well so heads they win, tails you lose.

400ixl

Nico60 said:

400ixl said:

What is the purpose of the second car? Classic or summer car, another main car?

Summer Cabrio (hopefully becoming a classic)

In which case speak to your insurer for an introductory bonus or one of the specialist brokers who may also be able to facilitate an NCD duplication. Peter Best insurance is one such broker it may be worth trying.

400ixl

Mutton_Geoff said:

And even if you have 9+ years no claims on two separate vehicles, a claim against one policy hits the other as well so heads they win, tails you lose.

Only in that the risk status changes. losing any NCD on one policy does not mean the other also loses NCD, just the risk profile changes before the discount is applied.