Anyone here in the car ins business?

[jimmy_onions]

In a nutshell...

As a family, we have single family car. (me and wife on policy). Have over 9 yrs ncb
although I did have a bump in 2011, my fault, but had protected no claims, so still have the 9 yrs +.

Just bought a second car. Mistakenly thought I could transfer my ncb to 2nd car, but apparently not, since ncb is associated with car rather than person. (news to me)

So have to pay full whack for insurance since have 0 yrs ncb for new car. (car is a cheap and cheerfull runaround so dont wnat to pay over the odds for it)

There are some insurarers which can do 'mirroring' of your ncb so you can effectively transfer this 9 yrs ncb over, but becuase of that bloody bump in 2011, I am unable to do that.

Also, current insurer doesnt do multi car discount.

So, am I fooked or is there a sneaky way around this?

[sonicyouth]

Which company? I transferred my NCB from my old car to my previous car when the old car was written off without any problem? Is the new car registered in your name?

[jimmy_onions]

its the fact thats its a second car....transferring ncb from the first current car to a new car which replaces the first car isnt a problem (have been doing that for years)

[sonicyouth]

still doesn't make sense that the insurer say "ncb is associated with car rather than person" because you've been doing it for years as you say!

[No Longer Posh Red]

You can transfer NCB from one car to another, but not if you keep the original car.

What they mean is that if you have NCB of 9 years, you can only apply it to one vehicle.

With regards to multi-car, most insurance companies won't accept that kind of proof from another company (it's generally a way of tying you to them).

[jimmy_onions]

so whats a sneaky way around this then posh?

(premium for new car was £186 quid when I thought you could transfer ncb, with 0 yrs ncb this jumps to 493, 299 extra) not the end of the world but would rather avoid if at all possible)

[Bewster]

can you cancel your current policy and go mulitcar ? Yes it will cost but that'll be made up in savings.

[jimmy_onions]

^this was athought I had....will look into it

[Bewster]

^this was athought I had....will look into it

I think from memory they'll charge you c. £20 to cancel so it may be worth a go.

I got a good multicar deal through Aviva - I think admiral may be the only other co that do it although others say they do.

[jutty274]

Try a comparision web site,  i did this when i had to renew i had 7 years ncb but the ex-missus had 6 points from having no insurance ( i had to keep her on the policy as we took the finance out in both of our names & the finance company insist on it) but then it was only £329.00 a year that was on a 08 plate fiesta. I went with quidco site & got cash back as well. I tried it with no ncb & only me on it & it was only £209.00.

Another thing to take into account is would you need a courtesey car if it does get damaged as it will bring the price down if you don't take it. Also put the excess up high so it brings the cost down.

[Sippo]

Directline now do multicar.

[jimmy_onions]

yes saw that, may trry them...aviva were pretty helpful and am awaiting call back from them..
Still pissed off though that ncb cant be trasnferred to this 2nd car, seems ridiculous to me.

[4D]

You can transfer NCB from one car to another, but not if you keep the original car.

What they mean is that if you have NCB of 9 years, you can only apply it to one vehicle.

With regards to multi-car, most insurance companies won't accept that kind of proof from another company (it's generally a way of tying you to them).

Its a bit daft really, at the end of the day you can only physically drive one car at a time.

[No Longer Posh Red]

Its a bit daft really, at the end of the day you can only physically drive one car at a time.

If you were the only person who was insured to drive the car I would agree, but that tends not to be the case.