No Claims Bonus and 2nd car

[gazzab]

anyone know how this works.
when I have my chimp the broker (a1) told me I could use the no claims from my other car on the chimp as well (I didnt think this was right but greed got the better of me). I now have my BMW insured with Eagle Star and the Cerbera with Privilge - I am trying to get proof of no claims from ES before Priv put my premium up (cos I havent sent through the proof). They arent being very forthcoming. Can I have the same no claims on 2 cars?!?! I never know whether the no claims is for the driver or the car! Gary

[JSG]

The NCB is linked to the car, not the driver. If as in your case you were offered 'free' NCB when you insured a second car thats fine and a decision for the broker / ins co.

When I insured my first TVR with A1 they gave me 5 yrs NCB on the basis of five claim free years with my company car (even though I still ran it as my main car). When I opted out and bought a BMW for work use A1 gave me 5 yrs NCB on that too as I had it already on the TVR.

The renewal notice for each policy stated 6 years NCB at renewal time, so you should be ok.

Cheers,
JSG.

[JonRB]

JSG is correct. Sometimes insurers will "mirror" your NCB on a 2nd car, so you get a 2nd policy that has the same NCB as your 1st. You then have two policies with the same NCB. You're not using the same NCB on two cars - you've now got two.

[sixspeed]

Which insurers do this then?

Privilege have so far given me the impression that I am only going to be allowed to use my 5 years NCB on one car, so obviously I am using that for the TVR. Having the 5 years back to use on the MX-5 as well will help a lot tho!

-andy-

[JonRB]

I used to be with Privilege, and yes, they aren't too forthcoming on introductory discounts.

It was Cheam who gave me the mirroed NCB, but they are by no means the only insurers / brokers who do this.

[sixspeed]

Any ideas on some others - Cheam wouldn't insure me until next year on the TVR. Won't cover under-25s.

-andy-

[Paul V]

Sunninghill will mirror your NCB, but sometimes when companies do this you can’t then move the mirrored bonus to another insurer at the end of the following year. They cover under 25's as well.

[Graham B]

Went through all of this a while back on another topic somewhere.

Most insurers will only allow you to use your no-claims bonus on one car. I spent ages phoning around as I'd just bought a runaround car to give the Tvr a bit of a break. Ended up with A Mannings. They insured my TVR with Cornhill, full protected no-claims limited mileage and my Omega with Norwich Union, introductory no-claims and discount. Whilst I don't think they mirrored the no-claims the limited mileage on the TVR and the introductory no-claims on the Omega made up for it.

Graham