An insurance question.

[TheGroover]

Person A is insuring a car. For whatever reason, if he has person B on the policy as a named driver, it reduces the premium. Person B has their own car and policy with ncb. If person A has an accident and has to make a claim, does this affect person B's accident history, and therefore ncb, as they are named on the policy?

[ZOLLAR]

TheGroover said:

Person A is insuring a car. For whatever reason, if he has person B on the policy as a named driver, it reduces the premium. Person B has their own car and policy with ncb. If person A has an accident and has to make a claim, does this affect person B's accident history, and therefore ncb, as they are named on the policy?

No, only if person B is the driver at the time of the accident.

If person B was the policyholder of both cars then it would affect NCB on the claimed policy but the NCB on the other policy would be the same but person B would need to declare the accident.

[TheGroover]

Lovely, thank you.

[ZOLLAR]

TheGroover said:

Lovely, thank you.

No worries.

[Quinten]

Rather than starting a new thread, I'll also ask an insurance question if the OP doesn't mind?

We have 1 car in the family with 7 years NCB at renewal time (next month). In 2 months time I will be needing a cheap commuting car as we are moving away from where I work, so I would like the 7 years NCB to apply to the commuting car rather than my current car. The question is, can I renew my insurance (change of companies) and specify I have no NCB for my current car, and then in 2 months time use the 7 years NCB on the cheap commuting car?

Or would it make more sense to renew the insurance using the 7 years NCB and then when I buy the other car in 2 months time ask the insurance company about mirrored NCB, or even swap the NCB around then?

[ZOLLAR]

Quinten said:

Rather than starting a new thread, I'll also ask an insurance question if the OP doesn't mind?

We have 1 car in the family with 7 years NCB at renewal time (next month). In 2 months time I will be needing a cheap commuting car as we are moving away from where I work, so I would like the 7 years NCB to apply to the commuting car rather than my current car. The question is, can I renew my insurance (change of companies) and specify I have no NCB for my current car, and then in 2 months time use the 7 years NCB on the cheap commuting car?

Or would it make more sense to renew the insurance using the 7 years NCB and then when I buy the other car in 2 months time ask the insurance company about mirrored NCB, or even swap the NCB around then?

Best bet is to see if you can have the NCB mirrored, usually this is achievable by using the same insurer (quoted premiums being acceptable of course)

You can though as you say at renewal remove your NCB from the current car and then apply it to the new one in a couple of months time as NCB generally has a shelf life of 2 years.

[Quinten]

That certainly sounds like the best way... As long as I get the insurance quote before I commit to buying the commuting car, not after