Your No Claims Discount is valid for one vehicle only. You may have earned it as a safe driver of many cars, but you can only apply your No Claims Discount to one vehicle at any one time. The only possible exception is if we already insure one car for you and you’d like to insure another car with us.

Can I have 2 insurances on 2 cars?

Can I insure the same car twice? It’s not illegal to have two car insurance policies for the same vehicle. However, it is against the law to try to claim the full amount for the same incident from two different insurance companies [KF1] – so there’s usually no reason to double up on car insurance.

Is no claims discount a con?

It depends on your personal situation whether it’s worth protecting your no claims discount. If you have five years’ no claims discount, it will significantly cut the cost of your car insurance. You might still lose your discount if you have a number of accidents in one year though.

Is it worth protecting 2 years no claims?

Whether it’s worth the price is debatable, especially if you don’t make a claim for a number of years. “The longer a motorist protects their NCD and doesn’t make a claim, the less cost-effective it becomes,” says Kevin Pratt, insurance expert at Moneysupermarket.

Can You Use Your no claims discount on more than one car?

Can I use my no claims discount on two policies? Technically no – you can only apply your no claims discount to one car insurance policy at a time. Of course, you can transfer your NCD from one policy to another – for example, if you replaced your old car with a newer model and took out a new policy for the new vehicle.

What happens if I had 2 car insurance policies?

If a driver had 2 policies, 1 with a 2nd driver and 1 without, can they lose their no claims bonus on the policy they have on their own? You can only apply one set of NCD to a car insurance policy. So if you had used your no claims bonus on the 1st policy, you wouldn’t have any left for the 2nd policy.

Are there any discounts for insuring a second car?

Many insurance providers will still offer discounts on the second car, even with two separate policies. And if you’re the registered owner of two cars, some providers even allow you to use the same no claims discount for both. Other factors can affect the cost of car insurance

What does it mean to have no claims bonus on car insurance?

What is a no-claims bonus? A no-claims bonus (NCB), or no-claims discount, is the number of years that you haven’t claimed on your car insurance policy. An NCB of five years or more can give you a significant discount on your premium.