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
