We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Switching to two car household
Options

plisko
Posts: 11 Forumite

My partner and I currently share a car, me as main driver and her as named driver. We have 9 years no claims discount. I am buying a second car this week, so one would be hers and one would be mine (though we would still both use either car on occasion as one is a city car and the other a better motorway cruiser)
What is the best way to do this? We have 6 months left on our policy and direct line have told me I can!!!8217;t take my no claims bonus to a different insurer while still insured by them, but I can take a second policy with them and get a multi car discount. Won!!!8217;t that leave me trapped with two policies that renew six months apart and I can!!!8217;t leave one without leaving the other?
What is the best approach to take?
What is the best way to do this? We have 6 months left on our policy and direct line have told me I can!!!8217;t take my no claims bonus to a different insurer while still insured by them, but I can take a second policy with them and get a multi car discount. Won!!!8217;t that leave me trapped with two policies that renew six months apart and I can!!!8217;t leave one without leaving the other?
What is the best approach to take?
0
Comments
-
You would have 2 separate ncd for the 2 cars, and you could move at renewal to a new insurer if you were to go to a multicar policy
(They are saying you will get a discount for adding a car to your policy - that is normal with multicar policies and doesn't mean they are giving you any "NCD" on the new car - it has to earn its own)
Check out the market anyway before adding it to your DL policy.
It may be cost effective to have two separate policies (eg you would get 2 lots of cashback were you to use a cashback site)0
This discussion has been closed.
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 350.6K Banking & Borrowing
- 253K Reduce Debt & Boost Income
- 453.4K Spending & Discounts
- 243.6K Work, Benefits & Business
- 598.4K Mortgages, Homes & Bills
- 176.8K Life & Family
- 256.8K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards