New Second Car Insurance No NCB

adamapple

I'm looking for insurance for a new leased car, my own 9 years NCB is linked to existing car which we're keeping. Therefore new car won't have any NCB we can use, although we're both over 50 and don't have any accidents/ points etc. Does anyone have suggestions on any insurers to appoach, or should we just rely on comparison websites? 

Ms_Chocaholic

Has your partner had any motor insurance in the last 2 years as that's how long the NCB remains valid for and you could use that.

Ms_Chocaholic

If not, swap your 9 years NCB to new vehicle and have your old vehicle with no NCB.  You will have to do comparisons to check which variant is the best one price wise.

MyRealNameToo

adamapple said:

I'm looking for insurance for a new leased car, my own 9 years NCB is linked to existing car which we're keeping. Therefore new car won't have any NCB we can use, although we're both over 50 and don't have any accidents/ points etc. Does anyone have suggestions on any insurers to appoach, or should we just rely on comparison websites? 

Comparison sites as normal.... if you are a good risk then you may find the NCD is doing little to your premiums anyway. A member here previously mentioned it made £5 difference to them if they had their 20 years NCD or 0 years NCD - they presumably were already almost at the minimum premium

Ms_Chocaholic said:

If not, swap your 9 years NCB to new vehicle and have your old vehicle with no NCB.  You will have to do comparisons to check which variant is the best one price wise.

Not all will allow you to take NCD off a vehicle mid term so it may be a cancellation fee to release the NCD. Certainly do the maths on which vehicle the NCD is more valuable before taking any action 

adamapple

MyRealNameToo said:

adamapple said:

I'm looking for insurance for a new leased car, my own 9 years NCB is linked to existing car which we're keeping. Therefore new car won't have any NCB we can use, although we're both over 50 and don't have any accidents/ points etc. Does anyone have suggestions on any insurers to appoach, or should we just rely on comparison websites? 

Comparison sites as normal.... if you are a good risk then you may find the NCD is doing little to your premiums anyway. A member here previously mentioned it made £5 difference to them if they had their 20 years NCD or 0 years NCD - they presumably were already almost at the minimum premium

Ms_Chocaholic said:

If not, swap your 9 years NCB to new vehicle and have your old vehicle with no NCB.  You will have to do comparisons to check which variant is the best one price wise.

Not all will allow you to take NCD off a vehicle mid term so it may be a cancellation fee to release the NCD. Certainly do the maths on which vehicle the NCD is more valuable before taking any action 

The wife's NCB was on a previous car we sold 3 years ago, so we lost that.

I've looked at reducing the old car's cover to 3rd party fire and theft (like back in the 80s ) and using its NCB on the new car.

As @M@MyRealNameToo mentioned, the sums don't look great, it increases the old car by around £100, reduced the new car by £150 and there's a cancellation of £25. Not worth the trouble really and with the added risk to the older car.

sheramber

Has your wife been a named driver on tiur old car insurance? 
 

It is many years ago now , but when my husband got a company car and the family car insurance was transferred to me , our insurance company gave me an introductory NCB as I had been a named driver on the insurer and had not had any claims. 

adamapple

sheramber said:

Has your wife been a named driver on tiur old car insurance? 
 

It is many years ago now , but when my husband got a company car and the family car insurance was transferred to me , our insurance company gave me an introductory NCB as I had been a named driver on the insurer and had not had any claims. 

Yes, my wife is a named driver on the older car.

I've tried all the comparison sites they're all quoting roughly the same. I have been offered one slightly cheaper policy but it requires some gadget added to the car, which I'd rather do without. 

Looks like I'll just bite the bullet and go with what I'm getting.

Ms_Chocaholic

adamapple said:

MyRealNameToo said:

adamapple said:

I'm looking for insurance for a new leased car, my own 9 years NCB is linked to existing car which we're keeping. Therefore new car won't have any NCB we can use, although we're both over 50 and don't have any accidents/ points etc. Does anyone have suggestions on any insurers to appoach, or should we just rely on comparison websites? 

Comparison sites as normal.... if you are a good risk then you may find the NCD is doing little to your premiums anyway. A member here previously mentioned it made £5 difference to them if they had their 20 years NCD or 0 years NCD - they presumably were already almost at the minimum premium

Ms_Chocaholic said:

If not, swap your 9 years NCB to new vehicle and have your old vehicle with no NCB.  You will have to do comparisons to check which variant is the best one price wise.

Not all will allow you to take NCD off a vehicle mid term so it may be a cancellation fee to release the NCD. Certainly do the maths on which vehicle the NCD is more valuable before taking any action 

The wife's NCB was on a previous car we sold 3 years ago, so we lost that.

I've looked at reducing the old car's cover to 3rd party fire and theft (like back in the 80s ) and using its NCB on the new car.

As @M@MyRealNameToo mentioned, the sums don't look great, it increases the old car by around £100, reduced the new car by £150 and there's a cancellation of £25. Not worth the trouble really and with the added risk to the older car.

Ah its for this very reason that couples who go to a one car household alternate the insurance each year between partners thereby keeping each of your own NCB in case circumstances change.  I know this doesn't help your situation but just posting in case it helps others who  may come across this thread.