Second car NCB
Discussion
I have been a named driver for several years on my wife's policy. We have just bought another car, whats the best way to get it insured? Not sure if SAGA do a 2nd car policy (they are shut on a sunday) but need to get the car insured tomorrow -Monday.
Which companies do mirroring or which ones will accept our 15 years plus of NCB on my wife's policy.
She has had a company car for 15 years and we just used her policy on our joint (my) car since. Bought a second car to stop putting miles on the original car as it's going to kill the value and starting to put too much wear and tear on it. As its expensive to maintain, the third car is a sensible option.
Which companies do mirroring or which ones will accept our 15 years plus of NCB on my wife's policy.
She has had a company car for 15 years and we just used her policy on our joint (my) car since. Bought a second car to stop putting miles on the original car as it's going to kill the value and starting to put too much wear and tear on it. As its expensive to maintain, the third car is a sensible option.
The three earlier responses confirm my suspicion, that any discount for car number two would be with the existing insurer of car number one.
Ok so it was car number three for me, but I got mirroring of the NCB from the insurer of car number two. I had been with them at least 15 years.
Ok so it was car number three for me, but I got mirroring of the NCB from the insurer of car number two. I had been with them at least 15 years.
stevieeg said:
e-sure recently mirrored my existing policy's NCB on a 3rd car.
I'll second E-Sure. They will mirror your no claims across any policy and give you 10% off if you have a policy with them already as a kind of multi car.I now have four policies with them and 9 years no claims on all four.
The other way I've found you can do it is with a proper multi car policy from the likes of Admiral, then when that comes up for renewal cancel it and they'll send you no claims for both cars. I did this when I bought a Clio 172, added it to a policy with my Twingo 133 and then after a year hunted round. They essentially game me 6 years no claims on the 172 but I'd only owned it a year so they effectively matched the Twingo.
Alex_225 said:
I'll second E-Sure. They will mirror your no claims across any policy and give you 10% off if you have a policy with them already as a kind of multi car.
I now have four policies with them and 9 years no claims on all four.
The other way I've found you can do it is with a proper multi car policy from the likes of Admiral, then when that comes up for renewal cancel it and they'll send you no claims for both cars. I did this when I bought a Clio 172, added it to a policy with my Twingo 133 and then after a year hunted round. They essentially game me 6 years no claims on the 172 but I'd only owned it a year so they effectively matched the Twingo.
Sorry but you don't have 9 year NCB you have 5 Years plus in the eyes of an insurer. They dont measure more than 5.I now have four policies with them and 9 years no claims on all four.
The other way I've found you can do it is with a proper multi car policy from the likes of Admiral, then when that comes up for renewal cancel it and they'll send you no claims for both cars. I did this when I bought a Clio 172, added it to a policy with my Twingo 133 and then after a year hunted round. They essentially game me 6 years no claims on the 172 but I'd only owned it a year so they effectively matched the Twingo.
TwigtheWonderkid said:
surveyor_101 said:
Sorry but you don't have 9 year NCB you have 5 Years plus in the eyes of an insurer. They dont measure more than 5.
Some do, up to a maximum of 9. Others don't.
I've done a second car policy for the mini with Saga who insure my 1st car with them just to get it covered quickly. It always takes ages to find a good quote and I don't like the idea of them all credit searching me. I did it for ease, but I have 20 days left to cancel for a £5 admin fee. It always takes ages to find a good quote and I don't like the idea of them all credit searching me.
I feel I'm being stitched as its costing more £388 with max bonus) for a mini than a 3.4 Boxster S that has about 40% more horses and far higher cost to put back together if bumped.
I'll try Esure when I have a mo.
Thanks chaps, much appreciated, as usual.
I feel I'm being stitched as its costing more £388 with max bonus) for a mini than a 3.4 Boxster S that has about 40% more horses and far higher cost to put back together if bumped.
I'll try Esure when I have a mo.
Thanks chaps, much appreciated, as usual.
languagetimothy said:
its all another rip off from insurance companies isnt it - I had a ten year old 1.4 polo and a four year old Cayman S and never claimed on insurance since driving from 17 and then being 51 but of course they ask- 'how do you want to spread your NCB?" - eh ? which of course I put most of it on the cayman but then means I dont have much on the old polo so paying a comparatively large premium on.
NCB should be about YOU as a driver in the same way that licence endorsements are could I have said ' oh can you put all the speeding erdorsements on the polo please" - no doest work like that (I dont have any by the way)
It works in favor of the insurer as usual.NCB should be about YOU as a driver in the same way that licence endorsements are could I have said ' oh can you put all the speeding erdorsements on the polo please" - no doest work like that (I dont have any by the way)
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