Mirroring no claims with different insurers

Mirroring no claims with different insurers

Author
Discussion

niggtv

Original Poster:

518 posts

191 months

Monday 31st January 2011
quotequote all
I'm thinking of buying a cheap (economical/practical) runabout as a second car, but am not sure whether I can use my 12 years no claims bonus on this, as I'm already insured on my main car. I know there are some insurers that will mirror NCB if you insure both cars with them (Admiral does I think) but does anyone know of insurers that will take into account a NCB when it's already "being used" on another policy? It makes no sense that I would only be safe in one of my cars!

Thanks in advance and apologies for dull email!

ZOLLAR

19,896 posts

129 months

Monday 31st January 2011
quotequote all
Best thing I can advise is to ring around and ask the insurer themselves, perhaps ask them to give you a partial discount i.e. Mirror 2 or 3 years that way at least you get something and they may be more willing to do that than mirror the whole lot.
Of course try for the 12 first if that dosn't work ask for a partial match.

rvrrob

15 posts

127 months

Monday 31st January 2011
quotequote all
Have just done as the OP has suggested through Sky Insurance brokers. Have my main car insured with a different company but they were able to mirror the no claims onto the second car.

Rich_W

12,365 posts

168 months

Monday 31st January 2011
quotequote all
The Admiral companies have mirrored HALF my NCB in the past. I was insured with them on both cars. But when I switched out on the good car, they never changed anything.

D1bram

1,295 posts

127 months

Monday 31st January 2011
quotequote all
Had my NCD mirror by both Sky on the MX5 and Astra with admiral (started a multi car policy with them, will add the other 2 cars later this year).

In both instances I asked and the person I was dealing with needed to seek approval, but definetely worth asking!

littleandy0410

1,745 posts

160 months

Monday 31st January 2011
quotequote all
How old are the cars in question? If either of them are old enough to insure as classics, you don't need no claims. That's how I've insured my Mk1 MR2 (D reg) in the past.

I recently tried the same with a 406 estate a colleague was selling dirt cheap. Even with a multicar policy, it was going to be £400ish to insure the Clio Trophy, and over £500 for the £300 406! So I gave up and sold it!