Mirrored no claims

[Helical]

If insuring a second car with the same insurer as your primary car, on a mirrored no claims policy, what happens if you make a claim on the 2nd policy?

I understand the 2nd car is not strictly "using" the no claims discount, and the insurance provider is simply offering the same level of discount on the 2nd car, but what happens if you make a claim on that 2nd car policy?

Is your primary policy affected? (beyond the fact you need to declare you've made a claim in x years)

Do you loose your 8 years no claims discount on the primary vehicle policy??

Given the 2nd car wasn't actually truly using your certified no claims, can you continue to benefit from it after the claim? Ie there was never really a "no claims" discount in the first place to be reset to zero.

This is all hypothetical I'm pleased to say, but keen to understand it.

Curiously, a mirrored policy with my current (reputable) insurer (8 years NCD) is slightly more than I've found using a comparison site and zero NCD. But admittedly that's with a company I've never heard of.

[paintman]

The only definitive answer will come from the insurer.

[Armitage.Shanks]

I reckon you'd lose it on 'both' or actually your main NCD given that your are mirroring and not running up a secpnd NCD on a standalone policy.

Irrespective of whether you have a claim and your NCD is not affected your risk will be and insurers will capitalise on ripping you off with a hike in premium.

[noway]

I use mirrored insurance on my second car and i did have to make a claim,there was no change to my original policy at all..,tbh its a similar price to starting a new policy without ncd and stating that i already have another car.

The benefits of being cough cough over 45 yrs old is cheap insurance.



Id ask your insurance company just to be sure...