What happens to No Claims Discount when buying a second car?
ju...@davidbevan.co.uk
and touch wood have never had to make a claim.
We are about to buy a second car as we now have a couple of young
children.
My question is what happens to my NCD?
...as I understand it I cannot claim 10 years NCD on both cars?
...also, does my wife have 0 NCD as she has only been a named driver?
Are there any insurance companies that would allow me to use my NCD on
a second vehicle or would give my wife a NCD for being a named driver?
If not then would I be better off insuring the new car in my name or
my wifes name? (we both drive the cars equally)
Many Thanks
David Bevan
http://www.davidbevan.co.uk
Adrian
saying:
> I have insured my car with my wife as a named driver for over 10 years
> and touch wood have never had to make a claim.
>
> We are about to buy a second car as we now have a couple of young
> children.
>
> My question is what happens to my NCD?
>
> ...as I understand it I cannot claim 10 years NCD on both cars?
Correct. Nothing over about 5yrs is relevant, anyway - full NCB is (IIRC)
60% at 5yrs.
> ...also, does my wife have 0 NCD as she has only been a named driver?
Yup.
> Are there any insurance companies that would allow me to use my NCD on a
> second vehicle or would give my wife a NCD for being a named driver?
Some will, yes. But you may find you're tied to them on renewal.
> If not then would I be better off insuring the new car in my name or my
> wifes name? (we both drive the cars equally)
Whichever is the higher group in your name.
Mungo "Two Sheds" Toadfoot
> I have insured my car with my wife as a named driver for over 10 years
> and touch wood have never had to make a claim.
>
> We are about to buy a second car as we now have a couple of young
> children.
>
> My question is what happens to my NCD?
>
> ...as I understand it I cannot claim 10 years NCD on both cars?
>
> ...also, does my wife have 0 NCD as she has only been a named driver?
>
> Are there any insurance companies that would allow me to use my NCD on
> a second vehicle or would give my wife a NCD for being a named driver?
>
When my wife bought her own car after being a named driver on my insurance
for years, the quotes we got through confused.com allowed for that fact and
were surprisingly reasonable. There's a part of the quote process that
allows you to tell them she's been a named driver.
Si
Conor
742bbe...@p25g2000hsf.googlegroups.com>, says...
> I have insured my car with my wife as a named driver for over 10 years
> and touch wood have never had to make a claim.
>
> We are about to buy a second car as we now have a couple of young
> children.
>
> My question is what happens to my NCD?
>
> ...as I understand it I cannot claim 10 years NCD on both cars?
>
> ...also, does my wife have 0 NCD as she has only been a named driver?
>
> Are there any insurance companies that would allow me to use my NCD on
> a second vehicle or would give my wife a NCD for being a named driver?
>
There are plenty of insurers which will give you a discount (not NCD)
equivalent to the discount your NCD gives you on your main car.
There are plenty of insurers who will take into account your wife being
on your policy and issue a discount equivalent to the NCD she would
have built up had it been her own.
--
Conor
I only please one person per day. Today is not your day. Tomorrow isn't
looking good either. - Scott Adams
Conor
> Some will, yes. But you may find you're tied to them on renewal.
>
Certainly not the case on classic car policies IME.
Adrian
were saying:
>> Some will, yes. But you may find you're tied to them on renewal.
> Certainly not the case on classic car policies IME.
Since classic policies don't use or give NCD, that's a bit of a non-
sequitur - like saying it's not a problem on house insurance...
DanB
news:81db866b-6ccc-40d9...@p25g2000hsf.googlegroups.com...
A lot of companies do 'multi car' policies - Admiral for example, that will
basically give you your full NCD on both cars.
--
Dan
Clio V6
Conor
I have my Capri and the Mondeo insured in a backwards kind of way.
Because the Capri was my only car until last October, it was insured as
the main one. Got the Mondeo. That's actually insured as a second car.
Equivalent discount to what I get with the NCD on the Capper.
Adrian
were saying:
>> >> Some will, yes. But you may find you're tied to them on renewal.
>> > Certainly not the case on classic car policies IME.
>> Since classic policies don't use or give NCD, that's a bit of a non-
>> sequitur - like saying it's not a problem on house insurance...
> But second car policies follow suit.
>
> I have my Capri and the Mondeo insured in a backwards kind of way.
> Because the Capri was my only car until last October, it was insured as
> the main one. Got the Mondeo. That's actually insured as a second car.
> Equivalent discount to what I get with the NCD on the Capper.
Sure.
But a classic policy - and I'm very surprised you don't have the Crapi on
one - doesn't have or give NCD at all.
Conor
> But a classic policy - and I'm very surprised you don't have the Crapi on
> one - doesn't have or give NCD at all.
>
It is, with agreed value, 5000 miles per year plus unlimited Class A
business use.