I believe if you make a claim on either or have made a claim on either in the last 3 years, you should declare this to both. NCB is based on ZERO insurance claims over a consecutive years.

So in your case Company A thinks you HAVE NOT made any claim on insurance in the last 3 years... If this is not the case, your insurance with Company A is null and void.. And based on what you say Company B have put you down as 0% NCB, which implies you havent informed Company A of an accident you've had, so in effect you insurance with them (A) is invalid.... NCB = NO CLAIMS AT ALL!

Hope this makes sense... Rum* should be able to clear this one up...

rgds, Alex

[This message has been edited by DrEvil (edited 04 January 2001).]

 

They do both belong to me and there are no other named drivers.

I did enquire about having them both on the same policy but I was told it wasn't possible until renewal.

Ade.

 

Alex,

I've not made any claims in the past 3 yrs. The zero ncb with company B is due to the fact that ncb can only be used on one policy. All the companies I spoke to confirmed this.

Bit of a pain really cost it's costing me a fortune.

Ade.

 

The fact that you can't use your NCB on two policies has always confused me - you can't drive both at once! I can see there being a slight overhead due to the risk of theft, but that's about it.

I'm with Privilege and they wouldn't give me any meangingful discount on a second car insured in my name, so I'm in the same position - 6 years NCB on the Scoob and 0 on a Saxo! I can build up a new NCB on the Saxo though!

Nick

 

I have two cars and as a result two policies with two separate insurers. I have 3 yrs ncb on the policy with company A and nil on the policy with company B.

Are the two completely unrelated, ie. If I claim on policy B that has nil ncb, I don't lose the 3yrs on A? Because I've not claimed off that company?

Or vice versa, If I claim from A an wipe out my ncb, do I still accumulate a years ncb form B, assuming I don't claim from them?

If I have an accident in the vehicle on B, will it affect policy A when I renew it this year? even though I made no claim from A and it was not the same vehicle?

Confused yet? I am!!

Thanks in advance!

Ade.

 

Ade,
If both of these cars belong to you, you could probably get a much better deal insuring them both with the same company on the basis that you can't drive them both at once. Do you have any other drivers named on the policy?

 

Sorry, not thinking straight today...
See your point, having not owned two cars, didnt realise you can't use on both..

What an Rssss...

Is making me think twice about buy a second car!...

Alex

 

So by claiming on a policy that has nothing to do with the car I've built up 3 yrs on, I lose that ncb as well?

In which case there is no point at all in having separate ncb, except for the insurance companies to extract even more money from you with no added benefit.

 

So what if I've got special track day cover for the day and I reverse my car into a tyre wall ?

That means there's little point having the thing as I wouldn't want to lose my NCB

Gary

 

just guessing here... but if you have specific track day insurance, and the accident is on the track, surely this doesnt effect your road insurance (unless its combined!?).. As NCB is based on lack of ROAD based accidents.. Track days are a special event...

Rum* - can you comment?

 

Ade,

I too have 2 cars with 2 policies, one with 3 years NCB, and the other with 2. But both are with brokers OPI, and they know about claims that I've made and they've only adjusted the NCB on one policy. So I assume that a claim is only relevent to the one NCB and not the other, although I still declared a previous claim, this only affected the initial cost of Insurance before my NCB was deducted.

Hope this helps.

DazW

 

Daz, that's what I was hoping.

I thought it would be safer to have the two, rather than put all my ncb in one basket so to speak.

I was worried about loosing all my ncb in an accident in my primary car, in which I do 20k per year in to and from work, with a lot of motorway driving.

My second car does about 3k a year and costs a lot more to insure, and loss of ncb would be a severe blow to me insuring it.

Does that make sense...?

 

Sorry for the delay....been out of the office all day

Basically if you have an accident you should report it to any insurer that you are insured with or for any policy you are insured to drive on (the latter need only be done at policy renewal)...

i.e. in your case if you have an accident in the car insured with NIL NCD and claim on that policy for the repairs...they are obviously aware of it...

...the other policy has not paid anything out and as such there is no claim on their policy - however it is a material fact that you inform them of any incidents that might effect the premium/policy at renewal. This will not effect your NCD on this policy - due to the insurer not paying out!

Insurers always take into the number of claims that the proposer/additional drivers have had....the actual NCD only comes into play right at the end of the equation...and obviously only where applicable.

In most cases advising the other insurer will result in a loading of the premium, however normally this amount should not be too large

So further to what you are saying...the answer is YES...you continue to accumulate individual NCD's on each policy until such time as you claim on each policy...the NCD will increase..

As ever its that time of day when I start rambling...

If you want it explained a little better over the phone...please call me on 0113 250 0377...or the mobile 0498 762285..

Hope that helps a little

Tom

 

Just out of interest....in most cases we are able to match the NCD from the 1st policy....i.e match it to a second policy....

Basically what happens is the insurers will allow an introductory NCD that matches your existing one...i.e. 3 years which is worth approx 50%...so year one you get 50%, year 2 you get 50%, year 3 you get 50%....then year 4 it goes to 60%...and year 5 ...yup, you guesed 65% (max NCD)...there are certain parameters that apply...i.e. over 30's, limited driving (Insured Only, Insured & Spouse)...but you never know that might be an option....

Also whilst I'm rabbiting on...by adding the second car to your existing policy...if you are with NU you will get a further 10% discount (I think...it might actually be 5%)...but you get the idea....again..if you claim it will only effect the NCD on the car/policy you are claiming against...

Call if you have any other queries..

Ta ta 4 now.

Tom

 

*yawn*...Sorry if I'm boring you all....

re the trackday cover....if you have a separate policy, with, lets say Eggar Hamilton...and you reverse into a tyre wall....( ...as occasionally happens )...then YES you can claim....and NO it won't effect the NCD on the normal Motor Policy....however I would suggest that it is still a material fact that you advise the insurers at renewal that the incident occurred...basically better safe than sorry....all motor insurers subscribe to CLUE....Now CLUE is a database of EVERY reported motor claim in the last (at least) 5 years...i.e...the Eggar Hamiliton underwriters/insurers will more than likely subscribe, thus adding your tyre wall shunt to the database....now if you hadn't reported the incident to your own insurers...and subsequently had a bump and started to claim....and lets say they checked the database and found that you had had a bump that had not been reported...then technically they would be in their rights to void the policy...!!

Whats I'm trying to say is any conviction or claim or disability is a Material Fact as far as insurers are concerned...if in doubt...REPORT IT...

Ciau...

Tom

 

Rum*

Did you breathe at all whilst writing those

Thanks, that explains everything!
Alex

 

I had a simmilar problem when insuring my scoob , i was blissfully unaware of the fact that you can only use your NCB for one car , having accumulated 10 yrs NCB i went to insure my new scooby having decided to keep my trusty old golf as well . The problem only came to light when privilege realised 3 months into the policy that i hadnt sent them proof of NCB , once i had sent this over to them they said my NCB was being used on another car and as such negated the discounted premium they quoted me and to send them a cheque for £480 ASAP .
After arguing for two hours and ringing other insurance companies to check the fact that NCB is useable on one vehicle ( which i only ever having one car did not know )i told her to poke her £480 .
Her arguement was that everyone ( except me ) knows that you cant do that , and they always ask how much NCB you have " available " , which is not the case as you are always asked how many years NCB you have , and not if it is currently being applied to another vehicle

 

Christ and you thought that Rum waffled on...

Anyway as i pointed out that when you sign and return the policy there is that line at the bottom that says "I believe the information im giving to be true to the best of my knowledge" , as i was sure i was correct and not hiding anything from them i wasnt paying £480.....
So she said "ok fair enough ,dont worry about it then "

 

Cheers Rum*

I reckon we should have a 'words posted' counter as well as a 'posts' counter, Rum* must be up in the millions by now

(But every one of them very useful of course, thanks mate !)

Gary

 

*blue in face*

Alex: Nope

Gary: My pleasure - sorry I went on so long - seriously if you need it explained better - give me a shout tomorrow.

Cheers

Tom

 

I have 2 cars insured with Bell Direct (0800 140180) - they matched the discount from the 1st policy on the 2nd policy. The premiums seem reasonable too.

 

Ade et al,

What insurance company will cover two cars or more on the same policy?
I tried this earlier in the year to no avail (a number of firms), hence the Scooby is now on an off the road policy and the old Rover bus back on the road on a separate policy.

jon

 

jon,

Norwich Union, Cornhill, AXA, Independent and a load of the Lloyds Syndicates.

The best thing to do is to transfer your NCD from the Rover to the Scoob - then if you restrict the driving on the Rover to Insured Only, or Insured & Spouse (common law) most companies will then match the NCD from the other car...however as stated above, there are certain parameters that apply...also I having thought about it a little more last night, I think in most cases it only applies if you have max NCD and are over 30 y/o...

Hope that helps...

Tom

 

Many thanks Tom, that helps enormously!

One final question (sorry... )

With regards to reporting accidents, does this include accidents where you were the driver, but not the policyholder? For instance a company vehicle?

Who's name would this appear under on the CLUE db? Yours or the companies?

Ade.