Insurance & No claims bonus ??

**mark_647** · 21st October 2009, 06:09

Ok, can anyone help ?

Got my Vec, obviously. Bought a Honda Accord as a run around, park in dodgy areas so my vec doesnt get damaged sort of thing lol !!

Insured it with the same company as my vec (directline). I had a multi-car discount but I assumed id get a price with my 5yrs no claims discount. But no, not even the same company could provide the bonus on 2 cars at the same time. It worked out cheap anyway so I wasnt too bothered...

But, the question is - Can I have 5yrs bonus on 2 cars at the same time if I use different insurance companies ???

Thanks !!

**fenderguitar** · 21st October 2009, 07:44

No, you can only have the no claims used by 1 comany

Originally Posted by mark_647

Ok, can anyone help ?

Got my Vec, obviously. Bought a Honda Accord as a run around, park in dodgy areas so my vec doesnt get damaged sort of thing lol !!

Insured it with the same company as my vec (directline). I had a multi-car discount but I assumed id get a price with my 5yrs no claims discount. But no, not even the same company could provide the bonus on 2 cars at the same time. It worked out cheap anyway so I wasnt too bothered...

But, the question is - Can I have 5yrs bonus on 2 cars at the same time if I use different insurance companies ???

Thanks !!

**Deztroyer** · 21st October 2009, 07:46

how strange ?

i've used direct line before and we had the same ncd for both cars (signum and legacy)both registered to the same keeper?
dont know now if their policy has changed as transferred to chris knott for the signum as cheaper than direct line were

**gtr1000** · 21st October 2009, 08:00

Originally Posted by mark_647

Ok, can anyone help ?

Got my Vec, obviously. Bought a Honda Accord as a run around, park in dodgy areas so my vec doesnt get damaged sort of thing lol !!

Insured it with the same company as my vec (directline). I had a multi-car discount but I assumed id get a price with my 5yrs no claims discount. But no, not even the same company could provide the bonus on 2 cars at the same time. It worked out cheap anyway so I wasnt too bothered...

But, the question is - Can I have 5yrs bonus on 2 cars at the same time if I use different insurance companies ???

Thanks !!

This is what I found a couple of years ago with Direct Line I'm afraid.

**Birchy63** · 21st October 2009, 08:37

I had 4 years no claims on my old Seat Ibiza 1.4 CL back in 2001 and when I insured the Westfield the insurance company I used matched my no claims bonus so I had 2 cars both on 4 years no claims. Specialist car insurance though!
Westfield was £350 to insure, the Seat was £650.

**Ziggy** · 21st October 2009, 08:53

When i was looking at getting a 9000 aero as a run around most insurance companies were refusing to acknowledge my no claims. Only Adrian Flux who i am with anyway would apply the discount to both cars.

**Birchy63** · 21st October 2009, 09:24

Adrian Flux, that's the badger!

Couldn't remember their name

**mark_647** · 21st October 2009, 14:45

Thanks all for your replies. Its strange isnt it ?? Reason I ask, lol was bidding for a Vec B GSi MSD and was a tad more expensive that the Honda to insure, then it would be 3 cars to insure and too expensive sadly, anyway I lost the auction, so perhaps a blessing in disguise.

**paul.sessions** · 21st October 2009, 20:21

we got told you could only insure one car with 1 set of no claims

**Pipe & Slippers** · 21st October 2009, 20:28

For each car you have to earn a separate no claims discount.

If you have the two cars registered in your own name and a spouse as a named driver, sometimes the insurance company will offer to build up a no claims discount for your spouse should she buy a car in her own name!