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FOAK: car insurance NCD on overlap of old and new cars

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Feb 20, 2023, 3:35:23 PM2/20/23
Apologies in advance for the garbled subject.

Just bought a new (used) car and am looking at insurance quotes. I put
down the 6 years NCD on the website but noticed that it says this can't
be in use for another car.

But I'll have both cars for a short period while I sell the old one.

So does that mean I can't put any NCD down for the new car's insurance?

Does anyone have any experience of this situation?

Sig's sig


Feb 20, 2023, 3:42:26 PM2/20/23
sig <> wrote in news:PpOdnV8MtuMZRG7-
You can't use the NCD on both vehicles as you have found out.

I would speak to the insurer of the old car and see if they can cover both
until the old car is sold.

If they won't cover both then you might need to put the new vehicle on the
old policy to get the NCD on that, then take out a short term policy on the
older vehicle if it merits being insured based on the value or being parked
on a road.


Feb 20, 2023, 4:33:59 PM2/20/23
In article <>, sig says...
Speak to your insurer.

I changed car last year, transfered the policy to the new car and agreed a small sum to keep the older
car insured for two further weeks, think it was about £30.

Of course it took 3 weeks to sell the old car...


Feb 21, 2023, 5:05:05 AM2/21/23
On 20/02/2023 21:33, petrolcan wrote:
> Speak to your insurer.

This. It's a common scenario. We had similar when we took a lease car
before we'd got shot of our old car.



Feb 21, 2023, 9:10:53 AM2/21/23
Update: the insurer was happy to move the new car to the existing policy
as Wessie suggested.

The insurer suggested that I use their short-term insurance service for
the old car. £60 for a week, £110 for a month! Instead I have taken out
a new annual policy with another company which I shall cancel within 14
days as soon as I sell it. Even if it takes longer than that it will
still be cheaper to cancel it than take out temporary cover.


Feb 22, 2023, 5:14:26 PM2/22/23
Yes. I just took out another policy wiht the same company. When I sold
the first car they said " no, you can't transfer the old car's NCD to
the new car without taking out a fresh policy". As that would probably
entail cancellation fees etc that would nullify any NCD, and I was
shortly to go on holiday, I decided "sod it" and left it.

I guess I could try to talk them round, but I'm no good at blagging
stuff off droids. Depending on how competitive they are next year, I
might make the effort to move elsewhere, but they do hve the advantage
of picking up the phone quite quickly.

I've got three motor insurance policies on the go at the moment: one
car, two bike, because of the difficulty of insuring the Energica as
well as the 10R - which has loads of bling attached - on the same
policy. It's probably cost me a couple of hundred quid extra per year
so far.




Mar 10, 2023, 2:55:12 PM3/10/23
Update, might be useful for someone to know: took out a new policy on
the old car and cancelled within 14 days, just had to pay £12 for the
covered time. Cancelling was a proper pain though, spending hours over
several days trying to get through. When I finally did they couldn't
take payment and told me to call back - there was no option to pay via
the website, invoice or even cheque. So I raised a complaint about this
aspect, i.e having to spend ages on the phone again. Nice chap phoned
me, said he thought I was justified in being annoyed at the long waits
and the difficulty in paying. In recompense he waived the outstanding
£12. Can't complain about that.

Sig's sig
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