0 NCB quote cheaper than 9 years NCB quote?

[QuartzDad]

Am I missing something obvious because I'm having trouble getting my head round this?

Currently own and insure two cars, both with 9 years NCB. Have bought a third car for use by my sons, one passed his test 2.5 years ago, the other one month ago. No fronting intended, I'll name one of them as the main driver.

Using confused.com, with 0 NCB the cheapest quote is £1600 for black box insurance from Tesco, £4510 for non black box from Go Girl(!).

Using 9 years NCB the cheapest quote is £4585 from Go Girl.

WTF?

[QuartzDad]

cat with a hat said:

Why are you surpised? You have changed more than 1 parameter?

???

The only parameter I changed between the two quotes was the NCB.

[QuartzDad]

cat with a hat said:

Blackbox vs. Non blackbox?

They are also completely different insurers..

blackbox is not a parameter, confused just lists the two options separately at the end - this is with 9 years NCB:

[QuartzDad]

cat with a hat said:

Does the fact the insurer is called 'Go Girl' not lead you to think that you're not the demographic they are attempting to insure?

The quote is a ps off we don't really want you quote. It seems most other insurers don't want to touch you with a barge poll either! (Even at 4k+)

Oh yes, agree entirely.

Just struck me as strange that the premium trebles when I use 9 years NCB. Guess it's due to the earlier point that when you add it to a main driver with only 2.5 years experience it probably triggers all sorts of dodge catchers in the underwriting algorithms.

[QuartzDad]

In all quotes I've put myself as the policyholder, son A (2.5 years) as the main driver and son B as an additional driver.

[QuartzDad]

I have two 'lots' of 9 years NCB. I was planning on moving one of them to this 3rd car as my sons don't get to drive either of the other two and the impact of going from 9 years to 0 years on the 2nd car is less than £100.

So it seemed to make sense to use one of the NCBs to reduce the premium on the 3rd car - until you realise it doesn't quite work like that.