motor insurance help please!!

[fruitsalad]

I have a car with the maximum number of no claims discount I now want to purchase another cheap little run around for my work, ( my other car is not really suitable), I have maximum no claims discount on my first car but wont have any on the second car and I know the insurance quotes are going to be sky high, are there any insurance companies where you can carry no claims discount to both cars, after all I wont be driving them both at once?

[boxtops]

The insurance is rated on the driver not on the car (IMO) - when I changed cars I just took my NCD with me. Why not try one of those companies which offer 2-car discounts, if you are to be the policyholder on both of them?

[fruitsalad]

thanks bt will google 2 car discounts see what they come up with.

[Buenchico]

An NCD is linked to a driver, not to a vehicle.

If, for example, you were to get rid of your first vehicle and only insure the second one, you'd still have your full no claims discount. So it follows that you'll still have your NCD for the second car. Indeed, since it would be best to put them on the same policy it would be impossible to have two different NCDs. (You'll be quoted a price for insuring both vehicles together, on a single policy, with the discount applied throughout).

There's no reason to assume that you'll notice any significant increase in your premium. Some people find that adding a second vehicle onto the same policy can actually reduce the premium.

Chris

[fruitsalad]

If its the person rather than the vehicle then I believe I have been doing it all wrong, my first car is up for renewal on the 2nd Feb so have been getting cheaper quotes for that, and at the same time I have been trying to get quotes for the 2nd car when it ask for NCD I have been putting 0 for the second car. So am I right in thinking I should put the max amount of NCD when getting quotes for either car?

[Buenchico]

Yes, that's correct.

[Buenchico]

. . . BUT you should be trying to put them on the SAME policy, not on two separate ones.

[wilkesneil]

speak to the insurance company as most insurers now "MIRROR" your NCB, I have done this many a times when I've just fancied a old skool hot hatch to knockabout in (even had it on 3 cars at 1 time once).

[fruitsalad]

yes thanks Chris (never know whether to call you Chris or Buenchico) I think I will give one of the insurance companys a ring and speak to someone rather than try and do it online, thanks again.

[Buenchico]

Thanks for your reply.

You can call me whatever you like. (Whatever you choose it probably wouldn't be as rude as what those who know me in person usually call me!).

If you're seeking an insurer with access to a wide range of policies, and with call centre staff who actually seem to know what they're talking about, I recommend trying Post Office Insurance. It's a free call and they're open until 9pm this evening:
http://www.postoffice...0227&mediaId=62800714

Chris

[Hopkirk]

Have a word with your local Swinton branch - they can be very helpful.

[Hymie]

Direct Line will allow your NCD to be applied to a second vehicle.

I discovered this when I last changed my car – having not sold my old car, I asked them how the change over could be best handled (given that for a period I would be insured on two vehicles).

Direct Line advised me to insure the new car with them, then once I sold my old car to cancel the policy on that vehicle (for which I would have to pay an administration fee) but would receive a pro-rata refund of the remaining complete months of insurance paid.

I pointed out that I may never sell my old car and would therefore be insured on two vehicles with my full NCD applied to both. They confirmed that I could do this if I wished.

I’m certain that other insurance companies have stopped this rip-off nonsense. Think about it – you could buy an identical model car to that on which you have full NCD. When driving one of these identical cars, you are judged to be a higher insurance risk. Of course there is no increased risk to the insurance company, just more money from us mugs.