Can you add insurance NCD mid term after policy has started?
Can you add insurance NCD mid term after policy has started?
Author
Discussion

dowzer

Original Poster:

18 posts

170 months

Thursday 15th May 2014
quotequote all
I have just bought a used car but am still in the process of selling my current car so I need cover on both for a time.

My insurer don't do multi car so I am going to take a new policy with an alternate provider and run the two side by side until current car is sold and then cancel that policy.

Problem is I can only have my NCD on one policy at a time - if I leave it on my current car and insure the new car with no NCD can I then transfer it onto my new policy mid term once I have cancelled the old policy?

The difference between 0 NCD and 7 years is about £250 so it is worth doing - if I can! Temp cover for the new car is ~£250 for 28 days and I might not have sold my current car in 28 days so that isn't really a viable option.

I know I can ring lots of insurance companies but each one takes half an hour to go through all their questions etc and I would rather not spend the rest of the day repeating myself to 10 companies if someone here knows is this is possible to do or not.

Thanks

AlanH1

90 posts

170 months

Thursday 15th May 2014
quotequote all
Have you asked your current insurer if they will mirror your no claims discount or do short term (30 or 60 days) insurance?

dowzer

Original Poster:

18 posts

170 months

Thursday 15th May 2014
quotequote all
My current insurer are as useful as a chocolate teapot - they won't even quote me for a second policy as they don't do car policies any more

Dave^

7,893 posts

282 months

Thursday 15th May 2014
quotequote all
Switch current policy to new car, take out new policy on old car...

As a bonus, sell old car within 14days and get a full refund for policy (iirc).