I have a full 8 or 9yrs NCD on my existing car, I have now purchased
another car but the Insurance company (Zurich) will not apply the full
NCD on my second car. I'm mystified by this as it is I who makes a
claim, not the car so logically the NCD should follow the person surely,
and I cannot drive two cars at the same time.
So my new insurance documents for the new car show a 0 yr NCD. I think
it's unfair, so I have 14 days to cancel my insurance? unless this is a
common practice.

Don

On 28 Aug, 11:52, Donwill wrote:
I have a full 8 or 9yrs NCD on my existing car, I have now purchased
another car but the Insurance company (Zurich) will not apply the full
NCD on my second car. I'm mystified by this as it is I who makes a
claim, not the car so logically the NCD should follow the person surely,
and I cannot drive two cars at the same time.
So my new insurance documents for the new car show a 0 yr NCD. I think
it's unfair, so I have 14 days to cancel my insurance? unless this is a
common practice.

Don

They think your son/daughter/wife is driving it. If you go to
somewhere like Admiral they specialise in multi car insurance.
There is also a risk when the car is not being driven, fire ,theft etc.

On Aug 28, 12:07*pm, harry wrote:

So my new insurance documents for the new car show a 0 yr NCD. I think
it's unfair, so I have 14 days to cancel my insurance? unless this is a
common practice.

Don

They think your son/daughter/wife is driving it. *If you go to
somewhere like Admiral they specialise in multi car insurance.
There is also a risk when the car is not being driven, fire ,theft etc.

The insurance companies will want it both ways. You can be sure if you
made a claim off your main car, the second one would suffer too. Don't
they ask if *you* have had any accidents/claims irrespective of what
you were driving?

I've got 7years ncd, yet every year the premium goes up not down.
Never below £300 and the value of the vehicle falls by significant
amount too.

What would happen if you sold the main car and kept the second car.
Would you lose the 9 years ncd?

Dave.

In article
s.com, harry scribeth thus
On 28 Aug, 11:52, Donwill wrote:
I have a full 8 or 9yrs NCD on my existing car, I have now purchased
another car but the Insurance company (Zurich) will not apply the full
NCD on my second car. I'm mystified by this as it is I who makes a
claim, not the car so logically the NCD should follow the person surely,
and I cannot drive two cars at the same time.
So my new insurance documents for the new car show a 0 yr NCD. I think
it's unfair, so I have 14 days to cancel my insurance? unless this is a
common practice.

Don

They think your son/daughter/wife is driving it. If you go to
somewhere like Admiral they specialise in multi car insurance.
There is also a risk when the car is not being driven, fire ,theft etc.

Might look at that here where we have 2 drivers and 3 cars. Two decent
ones and an olde spare Volvo which is rather like a lorry for lugging
rubble etc around..

Not quite that bad .. but my argument is there are only the Two drivers
SWMBO and myself so we can only drive the one vehicle at a time..

Anyone else found a way around this one?.

Thats insuring the drivers not the vehicles?..
--
Tony Sayer

Donwill wrote:
I have a full 8 or 9yrs NCD on my existing car, I have now purchased
another car but the Insurance company (Zurich) will not apply the full
NCD on my second car. I'm mystified by this as it is I who makes a
claim, not the car so logically the NCD should follow the person
surely, and I cannot drive two cars at the same time.
So my new insurance documents for the new car show a 0 yr NCD. I think
it's unfair, so I have 14 days to cancel my insurance? unless this is
a common practice.

Don

NCD is only applicable to one vehicle. You can own a dozen cars but your NCD
only applies to one of them, the others attracting full insurance cost.

On Sat, 28 Aug 2010 13:51:04 +0100, Pete Zahut boggled us with:

Donwill wrote:
I have a full 8 or 9yrs NCD on my existing car, I have now purchased
another car but the Insurance company (Zurich) will not apply the full
NCD on my second car. I'm mystified by this as it is I who makes a
claim, not the car so logically the NCD should follow the person
surely, and I cannot drive two cars at the same time. So my new
insurance documents for the new car show a 0 yr NCD. I think it's
unfair, so I have 14 days to cancel my insurance? unless this is a
common practice.

Don

NCD is only applicable to one vehicle. You can own a dozen cars but your
NCD only applies to one of them, the others attracting full insurance
cost.

More Than give me the same NCD on both cars. I've had a policy with them
for years. When I got another motor for the missus, they gave me the same
NCD for it.




--
Mike P

On 28 Aug, 13:28, tony sayer wrote:
In article
s.com, harry scribeth thus

On 28 Aug, 11:52, Donwill wrote:
I have a full 8 or 9yrs NCD on my existing car, I have now purchased
another car but the Insurance company (Zurich) will not apply the full
NCD on my second car. I'm mystified by this as it is I who makes a
claim, not the car so logically the NCD should follow the person surely,
and I cannot drive two cars at the same time.
So my new insurance documents for the new car show a 0 yr NCD. I think
it's unfair, so I have 14 days to cancel my insurance? unless this is a
common practice.

Don

They think your son/daughter/wife is driving it. *If you go to
somewhere like Admiral they specialise in multi car insurance.
There is also a risk when the car is not being driven, fire ,theft etc.

Might look at that here where we have 2 drivers and 3 cars. Two decent
ones and an olde spare Volvo which is rather like a lorry for lugging
rubble etc around..

Not quite that bad .. but my argument is there are only the Two drivers
SWMBO and myself so we can only drive the one vehicle at a time..

Anyone else found a way around this one?.

Thats insuring the drivers not the vehicles?..
--
Tony Sayer

Probably not applicable to the OP - but classic car insurance on a 2nd
car (or even the first - with some restrictions) can be very
reasonable.

I used to use Adrian Flux (http://www.adrianflux.co.uk/) when I owned
a classic as a 2nd car.

"Mike P" wrote in message
...
On Sat, 28 Aug 2010 13:51:04 +0100, Pete Zahut boggled us with:

Donwill wrote:
I have a full 8 or 9yrs NCD on my existing car, I have now purchased
another car but the Insurance company (Zurich) will not apply the full
NCD on my second car. I'm mystified by this as it is I who makes a
claim, not the car so logically the NCD should follow the person
surely, and I cannot drive two cars at the same time. So my new
insurance documents for the new car show a 0 yr NCD. I think it's
unfair, so I have 14 days to cancel my insurance? unless this is a
common practice.

Don

NCD is only applicable to one vehicle. You can own a dozen cars but your
NCD only applies to one of them, the others attracting full insurance
cost.


I have 3 policies with Churchill 5,3 and 2year ncb applying to the cars.
each ncb is 'moveable' between cars and to any new policy.

peter



--

On 28 Aug, 11:52, Donwill wrote:
I have a full 8 or 9yrs NCD on my existing car, I have now purchased
another car but the Insurance company (Zurich) will not apply the full
NCD on my second car. I'm mystified by this as it is I who makes a
claim, not the car so logically the NCD should follow the person surely,
and I cannot drive two cars at the same time.
So my new insurance documents for the new car show a 0 yr NCD. I think
it's unfair, so I have 14 days to cancel my insurance? unless this is a
common practice.

Don

how do those "multi car" policies check out? Admiral for one

http://www.money.co.uk/car-insurance...-insurance.htm

Jim K

Jim K wrote:
On 28 Aug, 11:52, Donwill wrote:
I have a full 8 or 9yrs NCD on my existing car, I have now purchased
another car but the Insurance company (Zurich) will not apply the full
NCD on my second car. I'm mystified by this as it is I who makes a
claim, not the car so logically the NCD should follow the person surely,
and I cannot drive two cars at the same time.
So my new insurance documents for the new car show a 0 yr NCD. I think
it's unfair, so I have 14 days to cancel my insurance? unless this is a
common practice.

Don

how do those "multi car" policies check out? Admiral for one

I've looked at them in the past and found that the few companies
concerned which offer this do offer discounted rates on having more than
one vehicle; but that I've still been able to better this significantly
by buying individual policies on the separate vehicles, from more
competitive companies.

Bit like those outfits which offer 'discounted premiums for insert your
job title here' etc

David

On 28/08/2010 11:52, Donwill wrote:
I have a full 8 or 9yrs NCD on my existing car, I have now purchased
another car but the Insurance company (Zurich) will not apply the full
NCD on my second car. I'm mystified by this as it is I who makes a
claim, not the car so logically the NCD should follow the person surely,
and I cannot drive two cars at the same time.
So my new insurance documents for the new car show a 0 yr NCD. I think
it's unfair, so I have 14 days to cancel my insurance? unless this is a
common practice.

Don
Someone should at least give you 25 percent introductory if you are the
main driver on both?

In article , Huge
scribeth thus
On 2010-08-28, Pete Zahut wrote:
Donwill wrote:
I have a full 8 or 9yrs NCD on my existing car, I have now purchased
another car but the Insurance company (Zurich) will not apply the full
NCD on my second car. I'm mystified by this as it is I who makes a
claim, not the car so logically the NCD should follow the person
surely, and I cannot drive two cars at the same time.
So my new insurance documents for the new car show a 0 yr NCD. I think
it's unfair, so I have 14 days to cancel my insurance? unless this is
a common practice.

Don

NCD is only applicable to one vehicle. You can own a dozen cars but your NCD
only applies to one of them, the others attracting full insurance cost.

Except when it doesn't. (I've just insured a second vehicle and the broker
offered to clone the NCD from the first vehicle if I couldn't find the
NCD details for the second...)

I think the real answer is that the rules are arbitrary, illogical,
secret, change from person to person, company to company, policy to
policy and from time to time.


The only thing you can be reasonably sure
of is that the interpretation of those rules will generally not be
to your benefit.



I think .. thats a dead cert;!...
--
Tony Sayer

We were somewhere around Barstow, on the edge of the desert, when the
drugs began to take hold. I remember Donwill
saying something like:

So my new insurance documents for the new car show a 0 yr NCD. I think
it's unfair, so I have 14 days to cancel my insurance? unless this is a
common practice.

It's perfectly normal, because they can get away with stiffing you.

The *******s tried that the other day with me - I'd been with them for
years and decided to swap vehicles as I'd done before. This time around
they tried to charge me nearly the same premium for insuring the SOJC
[1] as the Tranny, unlike last time when there was a saving of c.¤150.
I phoned around and got a quote (now policy) from Aviva of nearly ¤200
less than the original insco was attempting to charge me.
Just because they thought they had me over a barrel, it being nearly the
renewal date, the arseholes.

[1] ****eOldJapCar

On Aug 28, 1:51*pm, "Pete Zahut" wrote:
Donwill wrote:
I have a full 8 or 9yrs NCD on my existing car, I have now purchased
another car but the Insurance company (Zurich) will not apply the full
NCD on my second car. I'm mystified by this as it is I who makes a
claim, not the car so logically the NCD should follow the person
surely, and I cannot drive two cars at the same time.
So my new insurance documents for the new car show a 0 yr NCD. I think
it's unfair, so I have 14 days to cancel my insurance? unless this is
a common practice.

Don

NCD is only applicable to one vehicle. You can own a dozen cars but your NCD
only applies to one of them, the others attracting full insurance cost.

Wrong. Try an Admiral multi-car policy.

MBQ

Man at B&Q wrote:
On Aug 28, 1:51 pm, "Pete Zahut" wrote:
Donwill wrote:
I have a full 8 or 9yrs NCD on my existing car, I have now purchased
another car but the Insurance company (Zurich) will not apply the
full NCD on my second car. I'm mystified by this as it is I who
makes a claim, not the car so logically the NCD should follow the
person surely, and I cannot drive two cars at the same time.
So my new insurance documents for the new car show a 0 yr NCD. I
think it's unfair, so I have 14 days to cancel my insurance? unless
this is a common practice.

Don

NCD is only applicable to one vehicle. You can own a dozen cars but
your NCD only applies to one of them, the others attracting full
insurance cost.

Wrong.

Not wrong - in my experience at least. Two years ago, I bought my current
car (from a private seller so no part-ex facility) before selling my old
one. I needed to keep my old one insured until it sold but my insurance
company (MoreThan) insisted that my NCD was applicable to one or the other,
not both. I could choose to leave it relating to the old car or move it to
the new one, but that was it. Obviously I moved it to the new one but it
cost me something like £120 to keep the old one insured for two weeks
because of the lack of full (any) NCD.

Try an Admiral multi-car policy.

No good for my situation.

On Aug 29, 4:03*pm, "Pete Zahut" wrote:
Man at B&Q wrote:
On Aug 28, 1:51 pm, "Pete Zahut" wrote:
Donwill wrote:
I have a full 8 or 9yrs NCD on my existing car, I have now purchased
another car but the Insurance company (Zurich) will not apply the
full NCD on my second car. I'm mystified by this as it is I who
makes a claim, not the car so logically the NCD should follow the
person surely, and I cannot drive two cars at the same time.
So my new insurance documents for the new car show a 0 yr NCD. I
think it's unfair, so I have 14 days to cancel my insurance? unless
this is a common practice.

Don

NCD is only applicable to one vehicle. You can own a dozen cars but
your NCD only applies to one of them, the others attracting full
insurance cost.

Wrong.

Not wrong - in my experience at least.

So wrong in opther peoples experience then :-)

Man at B&Q wrote:
On Aug 29, 4:03 pm, "Pete Zahut" wrote:
Man at B&Q wrote:
On Aug 28, 1:51 pm, "Pete Zahut" wrote:
Donwill wrote:
I have a full 8 or 9yrs NCD on my existing car, I have now
purchased another car but the Insurance company (Zurich) will not
apply the full NCD on my second car. I'm mystified by this as it
is I who makes a claim, not the car so logically the NCD should
follow the person surely, and I cannot drive two cars at the same
time.
So my new insurance documents for the new car show a 0 yr NCD. I
think it's unfair, so I have 14 days to cancel my insurance?
unless this is a common practice.

Don

NCD is only applicable to one vehicle. You can own a dozen cars but
your NCD only applies to one of them, the others attracting full
insurance cost.

Wrong.

Not wrong - in my experience at least.

So wrong in opther peoples experience then :-)

Furry nuff ) We can each only give our experiences of the companies
we've dealt with can't we?