Omega Owners Forum
Chat Area => General Discussion Area => Topic started by: Auto Addict on 14 June 2009, 06:15:28
-
If you own two cars, you can't have your no-claims bonus on both cars, only one of them.
Also, you can't have the same named driver on both cars, again only on one of them.
-
When I was looking for a multi car policy last year they all promiced to mirror the NCD and everything else. When it came to setting up the policy they could'nt do it.
Admirals Multi car policy gave good discounts on the second car that nearly equaled the NCD but this year I actually had to mention that I thought I quailified for 1 Years NCD and finnally got it. Am hopeing that the 2nd car eventually becomes so cheap to insure that I get a really cheap car to insure as the main run about and the Elite become really cheap as a 2nd car.
I am the only driver so I dont know about naming a 2d driver, but the same as above, if there was a 2nd driver then it would be on the cheap as chips car to insure. (the runabout)
-
If you own two cars, you can't have your no-claims bonus on both cars, only one of them.
Also, you can't have the same named driver on both cars, again only on one of them.
that doesn't sound right m8 - i'd check - as far as i know you can name whoever you want as a driver - imagine you owned 20 cars(not realistic - but follow my logic here) and wanted your wife to be able to drive them - you'd have to phone up the insurance every time she jumped in a different car?!!
in fact - you can even state that any driver over 25 can drive car fully comp so someones telling you porkies :-/
-
If you own two cars, you can't have your no-claims bonus on both cars, only one of them.
Also, you can't have the same named driver on both cars, again only on one of them.
that doesn't sound right m8 - i'd check - as far as i know you can name whoever you want as a driver - imagine you owned 20 cars(not realistic - but follow my logic here) and wanted your wife to be able to drive them - you'd have to phone up the insurance every time she jumped in a different car?!!
in fact - you can even state that any driver over 25 can drive car fully comp so someones telling you porkies :-/
No, it's a fact, my wife's insurance is with a different company to mine, checked with both companies, and that's the way they operate, regarding named drivers.
-
If you own two cars, you can't have your no-claims bonus on both cars, only one of them.
Also, you can't have the same named driver on both cars, again only on one of them.
Yep, I knew that.....however if the insurance comp wont give you discount equating to your no claims bonus on the 2nd car.....find one that will :y
The no claims bonus works independantly on each car, the advantage being, if you have a claim on one car, it doesnt affect the no claims discount on the other :)
-
Yes, thats correct.
However if the 2 are insured with different companies it is sometimes possible ::)
-
Each car does have its own NCD. As do bikes etc. I have full NCD on 2 cars and 1 bike, all of which have had to be earned.
As for named drivers, never had an issue :-/
WRT NCD after a prang, true only that one policy will have NCD hit, but all policies will be mullered as you have to declare the accident to all policies...
-
I took out Admiral's multi-car out to cover my Omega, my Astra shed & SWMBO's Astra. My wife is a named driver on both my Omega & Astra shed ...... not that she'll even try a car with 3 pedals anymore. :-? She was a named driver on both cars before the multi-car policy with Admiral. :-/
-
Never had an issue with the drivers being named thing, but yeah the NCD is correct :y
-
I wish I had the problem of insuring a second car and worrying about NCD's on them......! :'( :'( :'(
Us poor girls!! ::) ::) :D :D ;)
-
I wish I had the problem of insuring a second car and worrying about NCD's on them......! :'( :'( :'(
Us poor girls!! ::) ::) :D :D ;)
I need pity for driving/owning my sencond car. The (diesel) fuel pump on its own is worth more than the car as a whole! ;D ;D ;D
and it still stinks of bloody dog :( .... especially in this weather! :y :y
-
My MV6 is full NCD, my TD which is on a different policey but with the same Insurer is also full NCD as its mirrored from the MV6 policey, down side is a prang in one will effect both Im told.
-
My MV6 is full NCD, my TD which is on a different policey but with the same Insurer is also full NCD as its mirrored from the MV6 policey, down side is a prang in one will effect both Im told.
it should only affect the NCD on one policy, you though have had an accident which will be declared for both policies and will affect the premium/risk of both.
That's how I understand it anyway. ;) ;)
-
Sorted, now have full NCD on two cars with named driver :y
-
My MV6 is full NCD, my TD which is on a different policey but with the same Insurer is also full NCD as its mirrored from the MV6 policey, down side is a prang in one will effect both Im told.
it should only affect the NCD on one policy, you though have had an accident which will be declared for both policies and will affect the premium/risk of both.
That's how I understand it anyway. ;) ;)
That’s assuming I tell them or they work it out, there’s a couple more interesting situations if you have more than one vehicle (all legal). If you insure a second Car with another Insurance Co, and claim full NCD from the 1st Car which they will grant you with proof of NCD, their assuming that you going to cancel your first policy at some stage, which of course your not required to, which means your now running 2 policies for your 2 vehciles with full NCD with 2 Insurance Co.
The same can happen if you’re running Mirrored policies with the same Co, there’s nothing stopping you from transferring one of your vehicles to another Co. with your full NCD entitlement.
The only thing you must do is declare the correct number of vehicles within the House Hold or Business. :y
-
If you own two cars, you can't have your no-claims bonus on both cars, only one of them.
Also, you can't have the same named driver on both cars, again only on one of them.[/quote]
We've been operating our two policies that way for years, the wife as owner/main driver, me as named driver. Never had any trouble.
Wife had 9 years NCD on one policy and 14 years on another. I've just started a policy with autotrader. Said I wanted to be the main driver but the wife had all the NCD. No problem sir, we'll just transfer her no claims over to you.
Thank you :y ;D
:P :P
-
Very nice :y
-
I have the kit car and Omega insured separately. Kit car company honoured the main car's NCD when I started it but it now has full NCD of its' own.
Mrs. KW insured as a named driver on both policies. Not aware of any issues with doing that. :-/
Kevin
-
I think many companies will give all or some NCD on second or third car, after all, you can only drive one at a time. Many companies will give you a discount even on your first insurance if you can evidence a clear record, company car drivers as an example. ;D
You had me a bit woried with the named driver bit, but that seems to have been overcome..... :y
-
AFAIK you can have NCD applied to two cars if they are both with the same company.
I tried to think of everything when attempting to get insured on a v6 at 17 ;D
-
I have 2 omegas... both have my NCB mirrored, so both have 4 years on them :)
-
I have 2 omegas... both have my NCB mirrored, so both have 4 years on them :)
Have you still got the 125.......... :D :D
-
I wish I had the problem of insuring a second car and worrying about NCD's on them......! :'( :'( :'(
Us poor girls!! ::) ::) :D :D ;)
Well you will keep buying all those shoe's Lizzie. (P.S. Dont stop buying those with the 6" heels though (They are wicked ::)))