Using NCD on two policies

[fatandwheezing]

I'm very confused about no claims. I had both cars covered with the same insurer, and they mirrored my NCD onto the second car - wife named as main driver on one as her NCD had lapsed.

A couple of years later and Car1 came up much cheaper elsewhere using the NCD figure on the renewal. Called to see if they could match it and they couldn't get near. Asked if moving Car1 away would affect my Car2 policy no claims and was told no.

Now Car2 has come up for renewal, and the full NCD is listed again. So as far as the paperwork is concerned, I have accrued 12 yrs NCD on two separate policies.

Does this seem right, or should I declare 0 on my second car, and get a second car discount?

Alternative is start from zero in my wife's name and start building up her NCD - she is named on both the policies at the moment.

[scorcher]

IMO you have two seperate policies with two lots of NCD to use. Our van insurer mirrored our car policy,(different insurance co) and on the 1st year renewal it came back with 8 years to use. Yours is exactly the same except its from the same insurer for both. If in doubt, ring them and clarify!

[fatandwheezing]

Thanks, that's put my mind at ease a little. New insurer is over 200 quid cheaper than renewal when I pit 12 yrs in, and only £60 more with zero so will call them in the week.

[lost in espace]

Can you tell me which insurer mirrored your car ncd for the van Scorcher?

[BertBert]

NCD is a stupid system. Each insurer has their own rules for what they give out and what they will accept. So if an insurer has given it out, you've got it, so use it elsewhere!

Bert

[scorcher]

lost in espace said:

Can you tell me which insurer mirrored your car ncd for the van Scorcher?

It was done through http://www.brentacre.co.uk/ and underwritten by Markerstudy on a VW T5

[fatandwheezing]

Well I called Direct line to check they would honour everything, and the NCD remains separate for each car which is a result, and has saved me over £170 over the old lot.

Still stumped as to how my renewal with 12yrs NCD is only £60 less than Direct line quoted with zero.