Second car insurance NCD

[TROOPER88]

Hi
I hope I am posting this in the correct section.

I have a van which I use daily and have used my NCD (10 years). I think I have it insured with a van specific company.

I am thinking very seriously about getting a weekend toy (a Boxster).

How would be the best way to insure this?

Would I simply take out a new and separate policy but have zero years NCD?

Many thanks in advance for any advice given

[SantaBarbara]

Ask the Admiral

[TROOPER88]

SantaBarbara said:

Ask the Admiral

I am not sure it would be worth cancelling the van on the current policy as I have paid upfront for the year with circa 7 months remaining?

Open to options though

[SantaBarbara]

Ask Liverpool Victoria

[cmaguire]

Call a few brokers directly. Some companies will honour your no-claims or part of it on a different policy.

[TROOPER88]

cmaguire said:

Call a few brokers directly. Some companies will honour your no-claims or part of it on a different policy.

Ok will do, thanks.

I just got a quote online with and without my NCD and the quote is under half with the NCD so it is definitely worth looking into.

Thanks

[anonymous-user]

Directline mirrored 5 years NCD on the second car based on having 2 separate policies, both with them.

[cmaguire]

TROOPER88 said:

Ok will do, thanks.

I just got a quote online with and without my NCD and the quote is under half with the NCD so it is definitely worth looking into.

Thanks

When I took my van policy out they gave me full no claims discount as I had it on my car already. The car policy is still running alongside.
But it is only with regards to the premium, I still had to build up no-claims on the van as per normal with regards to all the other benefits.

Policies not with the same provider in my case

Edited by cmaguire on Sunday 10th September 16:15

[Red Devil]

SantaBarbara said:

Ask Liverpool Victoria

I would go with them over the naval one any day of the week even if it cost a bit more.
Especially when you read the full T&Cs (which surprisingly few people bother to do).

[w8pmc]

Got a second car inbound for early October & asked NFU Mutual the same question about NCD mirroring or multi car & they said the following.

They do neither of those so i was about to get a monk on, however what they did confirm is the max NCB they apply is 67%, but for a 2nd car they'd apply a new policy discount, existing customer discount & a couple of other incentives which would equal 65% discount so in essence they would virtually match what i have on car number 1 with car number 2.

[Dog Star]

Red Devil said:

I would go with them over the naval one any day of the week even if it cost a bit more.
Especially when you read the full T&Cs (which surprisingly few people bother to do).

After my experience with LV when I crashed last year I can echo this - they were brilliant. Paid out in full and all the finance and penalties settled in 7 days from the crash.

You get what you pay for.

[SteveR1979]

I'd avoid Admiral at all costs.

I use Chris Knott, all 3 of our cars are covered through them.

My "main" NCB is on my 530d, I got a brand new policy on my Z, with a heft discount, and I'm building up an NCB on that car too, so ultimately I can take one car, or the other, elsewhere without worrying about losing my NCB

[TROOPER88]

Hi
Thanks for all the advice.

I called a couple insurance companies and was told I'd have to start with zero years NCD on the Boxster.

I then realised that the Boxster im getting could be deemed as a modern classic as it's an early one.

One call to Footman James and it's all sorted.

Under £400 a year, fully comp, £50 excess, 5000 miles a year

They don't use NCD

Cheers