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Car insurance question



Big Toe

ClioSport Club Member
  Clio Campus
I had 2 cars. My main car had a policy with 12 years NCB. I also have another car with 2 years NCB.

I’ve sold my main car which had the 12 years NCB and only have the other car with 2 years.

My understanding is that NCB expires if it is unused after 2 years. Can I keep swapping my NCB each year if I now only have 1 car?

I considered just putting the 12 years NCB onto my now main car but the insurance is so cheap anyway that I doubt it would make much difference. I’d rather have the extra NCB available for when I inevitably get another car.
 

TheEvilGiraffe

South East - Essex
ClioSport Area Rep
Phone your current insurer and ask them ?

I'd rather have the 12 banked (with savings) and find an insurer that will multi-car it tbh.
 

DrR

ClioSport Club Member
  VW Golf GTD
I find this utterly bazaar that you have to have two different sets of NCB.
 

Big Toe

ClioSport Club Member
  Clio Campus
I find this utterly bazaar that you have to have two different sets of NCB.
In what way? I had 1 car then bought another and had to start my NCB again. You can only use your NCB on one car at a time.
 

Archtronics

ClioSport Club Member
  Clio 182
I find this utterly bazaar that you have to have two different sets of NCB.
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Ben

ClioSport Club Member
Couldn’t you find a company to just mirror your NCB on to the second car?
 

Big Toe

ClioSport Club Member
  Clio Campus
Couldn’t you find a company to just mirror your NCB on to the second car?
The insurance was so cheap that I just went online and done a comparison website. It was only £210 fully comp. No way was I ringing round places to try and get a few pound off.
 

DrR

ClioSport Club Member
  VW Golf GTD
In what way? I had 1 car then bought another and had to start my NCB again. You can only use your NCB on one car at a time.

Yeah, but why don’t you as a person just have a NCB? I’ve just had to insure a second car with 0 NCB, as if I’m a new driver, even though I have 15 years+ on my other car.


I bet if I crash on my 15year NCB I’d have to declare it on my other policy.
 

Big Toe

ClioSport Club Member
  Clio Campus
Yeah, but why don’t you as a person just have a NCB? I’ve just had to insure a second car with 0 NCB, as if I’m a new driver, even though I have 15 years+ on my other car.


I bet if I crash on my 15year NCB I’d have to declare it on my other policy.
I do but only on one policy. You can only use your NCB on one vehicle at a time. When you take out the policy it asks how many years you have and asks if it is available to be used on the car.
 


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