Insurance query

[TBCTBC]

I think I know the answer to this but thought I'd check with the PH massive to be sure.

In the past I had two cars and to my surprise, found that the NCB from my first car couldn't be applied to my second car. As such, I had to build up a second NCB.

After 5 years, I sold the second car and after that had an accident in my first car, resulting in a claim.

I'm about to buy a second car again - does the accident/claim on my first car apply/affect to the NCB on my second car?

[dibblecorse]

Hi

No, the claim would only affect the NCD on the policy the claim has been made on, you do however need to declare the claim correctly on the quote request for the second car.

[TwigtheWonderkid]

As said, it's a pain you have to build up new NCB on car B even though you have max bonus on car A, But the good news is you can't lose your car B bonus following an accident in car A, or your car A bonus following an accident in car B.

[TBCTBC]

Thanks both, much appreciated.

[NRG1976]

TBCTBC said:

Thanks both, much appreciated.

Some insurers let you mirror the NCB across cars if you use multi car cover - just for future reference

[Sheepshanks]

TBCTBC said:

After 5 years, I sold the second car and after that had an accident in my first car, resulting in a claim.

I'm about to buy a second car again - does the accident/claim on my first car apply/affect to the NCB on my second car?

How long is it since you've had a second car? Most insurers will only accept NCB within last two years.

It used to be possible to work around this with introductory discounts / bonuses, but I think the recent rules about not quoting new customers lower than existing ones may have messed that up.

I don't know what's normal now, but some insurers seem to build NCB faster than I remember - there's a chart with my LV= renewal which shows NCB after 1 yr is 60%.

A multi-car policy may work - never had one of those.

[TBCTBC]

NRG1976 said:

Some insurers let you mirror the NCB across cars if you use multi car cover - just for future reference

Thanks. I had multi car cover with Admiral and then Aviva but my NCB was always seperate. However, will ask again when I take up my 2nd policy.

[TBCTBC]

Sheepshanks said:

How long is it since you've had a second car? Most insurers will only accept NCB within last two years.

It used to be possible to work around this with introductory discounts / bonuses, but I think the recent rules about not quoting new customers lower than existing ones may have messed that up.

I don't know what's normal now, but some insurers seem to build NCB faster than I remember - there's a chart with my LV= renewal which shows NCB after 1 yr is 60%.

A multi-car policy may work - never had one of those.

Sold my second car in June 2022 so I'm currently within the two years however I will double check when taking out any additional policies.

Thanks for the heads up.