12 replies to this topic

[AVV IT]

That's correct, you can only apply a No Claims Discount entitlement to one policy at a time. So you can only use it on two cars if you have a muti car policy (i.e both cars insured on the same policy). The other option is a specialist "mirror policy", designed for people who have an additional second vehicles to insure (i.e. classic cars/ motor homes etc). These "reflect" the level of no claims discount that you have on your separate main policy, even though there technically isn't any no claims earned on the second policy.

Edited by AVV IT, 09 April 2012 - 04:40 PM.

[Old Bob]

I have a no claims bonus on my main car but am I right in thinking that even though I am the one that has it and I can only drive one car at a time, I cannot apply my NCD to my Mini as well as my main car?

Speak to your insurance company or broker - they may be prepared to put both cars on the same policy. However; if you have a classic car policy for the Mini, that may not be possible.

Bob

[sledgehammer]

not really an answer - but may be useful http://www.admiral.c...ut-multicar.php

(Ive never used them)

[AVV IT]

So far, living in nice leafy Surrey, being 40 years old, keeping the Mini in a garage and doing less then 10k miles per year is going to cost me over £400! I hate insurance companies...

Have you tried a Footman James classic policy? They don't take NCD into account when calculating premiums and their classic policies don't earn NCD either. At your age, you should only be looking at around the £100-£150 mark with Footman James, plus you get a discount with your TMF+ membership number too.

EDIT: I think you also get breakdown cover, unlimited mileage and European cover included too.

Edited by AVV IT, 09 April 2012 - 04:50 PM.

[reallybig]

you can drive and insure more than one car at once but only use ncd on one policy at a time whether that be a multicar policy or not

[Dan]

Some insurers will allow you to split your no-claims onto two policies if you have a number of years built up.. All these questions are for your insurer to answer, or at the very least for the insurance section of the forum.

Moved.

[Scallywag630]

What happens if you have an accident with two seperate policies getting no claims discount? Do you loose the discount on both? That would seem unfair if you can't use one discount for two policies.

[reallybig]

should just be the policy you have the accident on

[Bungle]

when i stopped using my mini for work and bought a works van my insurer at the time (adrian flux) gave me the full NCB that my mini had on the new vans insurance as long as i insured both vehicles with them that year