Car Insurance help.

Mystery_who

Hey guys just wondering if a person can be insured on 2 separate cars with 2 different insurance companies? And if they can use no claims bonus while getting insured on 2nd car? Thanks

Atlantic Dawn

No it would start at no no claims on the 2nd car policy.

Duiske

Yes. There are insurance companies that will mirror the no claims onto another car.

Notch000

why does you no claims not stand for a second car ?? id assume driving history is based on the driver and not the car, if you had a tip no doubt you would loose you no claims on all cars you ever wanted to drive

macplaxton

As post 2 and 3 demonstrate, your mileage may vary.

From my experience, a NCD applies and accrues to one policy only. There are exceptions to this. I have a classic car policy and the NCD on that is mirrored from my main policy, but it's really down to the insurer what they do in the name of business. Given the current motor insurance climate, they'll be out for every Euro.

(on the flip side, classic car policies in the UK generally don't have a NCD component as they are priced cheap enough to start with - it's all priced in)

Sh1tbag OToole

Best bet is to make sure the 2nd car is at least 20 years old and get a classic policy.

galwaytt

Yes, it's called mirroring your bonus, and you do start to accumulate a 2nd bonus on the 2nd policy over time. And no, the 2nd car doesn't have to be 20yrs old/classic.

Probably have to be done via a broker though (mine is).