Multicar insurance?

[Scottishlad]

Hi folks!

Trying to settle an argument with a work mate. Basically if you have 3/4 seperate policies then put them on this multicar thing if one person on it were to have a crash would it have an effect on the other policies (no claims bonus)?


Personally I think it would as it's classed as one policy, but seems quite a hard one to find a definite answer on!

What's your opinions?



Many thanks!

Edited by Scottishlad on Friday 2nd December 03:55

Edited by Scottishlad on Friday 2nd December 20:08

[Garvin]

I have a multi car policy and each driver earns (or loses) their own NCB. However, what happens to the premium the following year after one of the drivers has made a claim I have no idea ............. yet!

[zetec_s6]

The no claims seems to be linked to the car rather than the driver. I merged 2 admiral policies, mine and wife's, but the no claims was based on the number of years i'd collected. She had a claim in my car and that's the one that now has less no claims applied. Both cars are registered to me so that may make a difference but i don't know how many years we'd both get if we stopped having a multicar policy.

[Nigel Worc's]

My wife and daughter have just combined on a multicar, saved £500, £200 on one and £300 on the other, multicar policy is with Admiral, and they were both insured seperately with Admiral !

They can't compete on my beemer though.

As for NCB, I asked this, and they both earn their own ncb, and if anything goes wrong, lose their own ncb.