Well, here’s something I didn’t know !
I always though the No Claims Bonus was a personal thing to reflect one’s degree of care when driving ( ie not needing to make claims).
I have built mine up over many years over a number of cars.
As I am likely to have two insured cars for a while ( selling the old one, buying a replacement) I presumed by NCB would apply to both. After all, I can only drive one at a time.
Not so ! My insurer tells me I would need to transfer the NCB to the new car, leaving the old one less protected.
This seems bonkers - it certainly does not work like that on much of the continent
Transferring NCB
Re: Transferring NCB
Most insurers will offer temporary cover at "reasonably fair" rates to cover such situations, certainly for a few days maybe weeks.
I've done this many times and never felt overcharged.
Or are you trying to keep both for a extended period? In which case that is the way NCB works and ALWAYS has in the UK, it's per policy not per individual.
I've done this many times and never felt overcharged.
Or are you trying to keep both for a extended period? In which case that is the way NCB works and ALWAYS has in the UK, it's per policy not per individual.
Re: Transferring NCB
Seems it does indeed ! Nonsensical ? Just another way for insurance companies to squeeze a bit more
Re: Transferring NCB
Not nonsensical at all, unless you're used to an equally nonsensical system that works differently!
The driver is only a part of the risk insurers cover. e.g. if you have two cars and are out driving one, the other is available to be nicked!
The driver is only a part of the risk insurers cover. e.g. if you have two cars and are out driving one, the other is available to be nicked!
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