no claims discount for 2 cars

General Discussion Forums Car Talk
2

i currently have 2 cars one with 5 years no claims and one with no no claims, just trying to find out if i can split them so that i have 3 on one and 2 on the other?? 

Thanks

3

Sounds unlikely mate, but I thought your no-claims discount was exactly that, yours, rather than the cars, ie if you haven’t had a claim for 5 years then surely both policies will be eligible for 5 years NC discount…

Hope that helps… Confused

P72

4

ye i knew that i couldnt use my no claims on both cars but i wasnt sure if i could split them as they are my no claims i was hoping to bring one insurance down (the mx5) by using some from my other car (currently a passat but reducing to a corsa/clio) its a bit annoying

Thanks for the advice

5

I have a 4 and an 8 year entitlement - I doubt that that could count as two 6’s.  I also think that if I deplete one of them through a claim the other should be safe. 

6

From what I understand, traditionally you were only allowed to use your no claims bonus on one vehicle and would need to build up a second set on the other vehicle. However over the past few years some insurers will mirror your no claims, most want you to hold both policies with them, although I have heard of some insurers mirroring a no claims bonus held with another insurer. It’s just a case of getting on the phone and going through them all and asking the question.  There seems to be no hard and fast rules when it comes to insurance.

7

When I first became a 2-car man, A-Plan of Milton Keynes offered me a policy that mirrored the no-claims for the original car over to the second car, but only if both were insured with them, and I was the only driver. It was much cheaper to cancel my existing insurance at a cost and re-insure both, so I did.

Since then, I’ve moved both cars to different policies with different companies and both cars have retained the full no claims Cool

N.B. A-Plan don’t do the original policy any more. In fact they are now expensive for MX5s and my Roadster is with Richard Eggar.Thumbs up

8

You need to find an insurer who will mirror the 5 years on to the other policy.  Some will do that, that policy then starts to build its own no claims.

Or you insure the car as a classic in which case there is no “no claims” to worry about although I assume they still take into account as part of the assessment of risk.  Classic with respect to an MX5 using Footman James is 5 years old and not 20 s it is for a lot of other cars.

9

Admiral will allow a no claims discount earned on 1 car to be used on a 2nd car on their Multicar policy.

I had full no claims on a Focus, when I got the MX5 they allowed me that Full no claims on the Focus plus 3 years on the MX5.

I’d have got 5 on the MX5 had I not had a claim 2 years previously for which I had Protected NCD cover so didn’t lose any originally.