Multiple years ncb at 18?

[cyne]

Lets say you are 17 years old and just passed your test. You are well off and you have got 3 cars, you open a separate policy on all 3 cars and pay for the insurance.

When the policies end do you then have 3 years ncb at 18?

Just wondering if its possible to have more ncbs than years driving? (Obviously the number difference could be anything)

[b0t13]

no, its illegal to run more than 1 set of ncb, and each document will say 1ncb not three, so youll only have 1ncb from 3 different places, cannot add them together

[Moke]

The years of no claims is for the person, not the car, and seeing as there is only one of you..........

[Bedford126]

Depends what insurance company you go with some will allow it and some wont. Only way for deffo is to carry no claims from your scooter or moped.

[Jordysport]

lol someone doesn't know the system...

[cyne]

Right cheers, was just thinking about whether you could or not.

Edit - what about if you passed when you where 17 but didn't drive till you where lets say 25 and bought two cars and insured them both on separate policies, would you get 2 years ncb in a year then?

Or is that the same question just reworded haha.

[smiith]

Same question really.. YOU only drove for a year without a claim, regardless of how many, and what sort of car it is..

[Ryan]

NCB is built up on EACH policy seperately.

No you cannot add them together.

case closed.

[Moke]

case closed.

Yet the thread's still open :detective:

*Awaits infraction*

[Ryan]

Maybe mike needs to read, doesn't say thread closed init'

[Moke]

Maybe mike needs to read, doesn't say thread closed init'

I was jokin' y0.

Does anyone know why my stickers haven't arrived yet?

[Ryan]

I was jokin' y0.

Does anyone know why my stickers haven't arrived yet?

Donna perhaps they've got lost in with your ban ;)

[Tontsy]

Donna perhaps they've got lost in with your ban ;)

you wouldnt...

dont worry moke, he is full of it. i told james to stop picking on mike, and now im telling you boy! :boxing:

[Moke]

Donna perhaps they've got lost in with your ban ;)

*Clears throat and weeps a little*

[devilsadvocate]

As said above really, you can't add them together.

Go onto Admirals website, put your age as 17 and then attempt to put 3 years no claims Bonus.........the system will throw up an error and not let you continue.

[Quick]

You can earn NCB before you have a full license!

[Spanky]

the op's question was can you have more no claims than your age or driving time...

answer - Yes, i done 2 x 10month bonus accelerators with bell, had 2 years no claims in 20months ;)

so yes, kind of possible lol

oh and they wer accepted by all insurance companys also :)

[cyne]

Yeah I still don't get why you can't have more than 1 per year.

Should be called no claims (in a year) bonus. As you should be able to get insured on 10 cars for a year without crashing them thus having completed 10 policies without a claim and therefore have 10 no claims bonuses? :panic:

[Greg_2492]

But you cant be main driver on more than one policy too. illegal.

[cyne]

But you cant be main driver on more than one policy too. illegal.

ohhhhhhhh

[Moke]

That explains it then lol.

We all explained it earlier in the thread dude.

[Ryan]

But you cant be main driver on more than one policy too. illegal.

Er... And people who own 2 cars (weekend toy + daily) do what..... :cool:

You can have more than 1 policy running, they're separate Ncbs.

[Andy_K]

Er... And people who own 2 cars (weekend toy + daily) do what..... :cool:

You can have more than 1 policy running, they're separate Ncbs.

Was going to say! I have 2 seperate policies where I am the main driver on both, due to having 2 cars.

[MiniGibbo]

Cant add them togther but it does seem to give you more discount having a few policys with ncb,

I have the van with commercial ncb, the bmw with three years ncb and now the rallye..

When i got the quote for the rallye i said to them about my other car and van, obviously you can use them as theyre being used on the the other vehicles but they "made note" of having other vehicles with ncb.

[Yates]

answer - Yes, i done 2 x 10month bonus accelerators with bell, had 2 years no claims in 20months ;)

i think you meant to put no, cos thats not at same time time is it? :wall:

[Spanky]

i think you meant to put no, cos thats not at same time time is it? :wall:

you have lost me :wacko:

he asked if you can have more years no claims than years spent driving..

i had been driving 1 year and 8 month and had 2 years no claims bonus from doing 2 bonus accelerator policys at 10month each...

??

[Moke]

you have lost me :wacko:

he asked if you can have more years no claims than years spent driving..

i had been driving 1 year and 8 month and had 2 years no claims bonus from doing 2 bonus accelerator policys at 10month each...

??

I get what you mean matey, but I think the OP is trying to ask if he can get 3 years no claims by having 3 separate insurance policies on 3 cars for a year.

If that makes sense?

And if he is asking that, the answer is no.

[Sophia_Bush]

i didn]t read anything so im going to say potato up the arse

[blackie_2k5]

But you cant be main driver on more than one policy too. illegal.

wrong

Er... And people who own 2 cars (weekend toy + daily) do what..... :cool:

You can have more than 1 policy running, they're separate Ncbs.

Was going to say! I have 2 seperate policies where I am the main driver on both, due to having 2 cars.


same here, and the bold is why you cant add them, but as gibbo said, most places will give you discount further if you phone and can provide you were even just a named driver on another policy for a year with no claims against it,

[cyne]

/
How many years no claims bonus do you have? I have 2 years of no claims driving.

Ok so you have 2 years NCB?

Wait a minute, you're 3 people? Ah you have 6, well that'll be £40 a year sir..:wall::wall::wall::wall:

Well I didn't say that lol.

I was assuming that each policy gave you 1 ncb for each year you drove without having a claim. So you could in theory have more than one policy and get more than 1 ncb at the end of the year.

They need to change the name to be honest, false advertising. Should be called; no claims against you in a year bonus regardless of total number of policies. Then again insurance companies are cunts so they wouldn't allow this otherwise after a few years of being on 10 policies my insurance would be pennies.

In fact what is to stop me from opening my own insurance company and insuring myself and no one else? So I will give myself a quote of £0.01 and pay that to myself, yay!!!!!!!!!!!!!

[Moke]

Well I didn't say that lol.

I was assuming that each policy gave you 1 ncb for each year you drove without having a claim. So you could in theory have more than one policy and get more than 1 ncb at the end of the year.

They need to change the name to be honest, false advertising. Should be called; no claims against you in a year bonus regardless of total number of policies. Then again insurance companies are cunts so they wouldn't allow this otherwise after a few years of being on 10 policies my insurance would be pennies.

In fact what is to stop me from opening my own insurance company and insuring myself and no one else? So I will give myself a quote of £0.01 and pay that to myself, yay!!!!!!!!!!!!!

Not really... The no claims are for the amount of time you've been driving, not for the amount of policies you have.

[blackie_2k5]

Not really... The no claims are for the amount of time you've been driving, not for the amount of policies you have.

this tbh, its correctly named, it gives you 1 YEARS NO CLAIMS BONUS on an(singular new) insurance policy

buy your logic, if you bought 3 cars an MOT....then sold 2 of the cars... but kept the ticket, youd have 3 years MOT...and im afraid you only get those on new cars etc tbh

[cyne]

Not really... The no claims are for the amount of time you've been driving, not for the amount of policies you have.

Yeah I understand that.

As far as I know (from this thread) you have a different set of ncbs for each vehicle you have. Having more than one policy may decrease the price of the new one you are about to open. Though this price decrease is not definite and doesn't sound like a massive saving. So it's not ever worth insuring more than 1 vehicle at a time if you want to gain anything.

Or can you save money by using a multi car policy and they insure you cheaper than separate policies.

Reason I'm asking this as come February I may own 3-4 cars and want to work out the cheapest way of insuring them all.

Probably best to wait till then and ring some companies I guess.

Edit - Blackie if you google it, it's never explained in any way that it is 1 per year.

Taken from confused.com

Generally, for every year that a driver has insurance on a car without making a claim, they will earn another year's NCB to a maximum of 5 years

That does say its per year granted but it doesn't say that you can't have more than one per year. This is why I was wondering.

[Moke]

Yeah I understand that.

As far as I know (from this thread) you have a different set of ncbs for each vehicle you have. Having more than one policy may decrease the price of the new one you are about to open. Though this price decrease is not definite and doesn't sound like a massive saving. So it's not ever worth insuring more than 1 vehicle at a time if you want to gain anything.

Or can you save money by using a mult car policy and they insure you cheaper than multiple policy.

Reason I'm asking this as come February I will may own 3-4 cars and want to work out the cheapest way of insuring them all.

Probably best to wait till then and ring some companies I guess.

A multi-car policy will probably be your best bet :y:

[wolf_gsxr]

you can have 1 or 1 million cars. you can only drive one at a time so the number wudnt matter. your ncb is a timescale (1year) of YOU not your car/cars not having an accident. also its not illigal to be the main policy holder on more than one policy. how would anybody have a car and a bike or 2 cars etc.

[cyne]

Ah fuck it. I give up trying to beat the system, I'll just pay what I can afford haha.

[Moke]

Ah fuck it. I give up trying to beat the system, I'll just pay what I can afford haha.

The system always wins.

[wolf_gsxr]

dont insure your car... then you win

[Moke]

dont insure your car... then you win

Then you will be facing the law.

/retard.

[wolf_gsxr]

Then you will be facing the law.

/retard.

not really... some twat ran up the back of me last year in his mums brand new mobility focus then ran off. it has 300 miles on it. he wasnt insured on it and it was taken without her permission. he had no licence. he got a 180 quid fine. no licence, no insurance, and not stolen but taken without owners consent.. at the end of the day who's laughing. me who was paying near 2k insurance for a corsa or him who got a fartin 180 quid fine.. i dont blame anybody who doesnt have insurance tbh. its robbery

[Moke]

not really... some twat ran up the back of me last year in his mums brand new mobility focus then ran off. it has 300 miles on it. he wasnt insured on it and it was taken without her permission. he had no licence. he got a 180 quid fine. no licence, no insurance, and not stolen but taken without owners consent.. at the end of the day who's laughing. me who was paying near 2k insurance for a corsa or him who got a fartin 180 quid fine.. i dont blame anybody who doesnt have insurance tbh. its robbery

I really don't care about what happened to you... But, that's not nice to hear :n:

It's simple... If you drive around without insurance, you're a cunt :y:

[blackie_2k5]

not really... some twat ran up the back of me last year in his mums brand new mobility focus then ran off. it has 300 miles on it. he wasnt insured on it and it was taken without her permission. he had no licence. he got a 180 quid fine. no licence, no insurance, and not stolen but taken without owners consent.. at the end of the day who's laughing. me who was paying near 2k insurance for a corsa or him who got a fartin 180 quid fine.. i dont blame anybody who doesnt have insurance tbh. its robbery

should have tortured him tbf

[wolf_gsxr]

i agree. you are a cunt for not paying. but your a better off cunt than the rest of us who r getting shafted

[Moke]

i agree. you are a cunt for not paying. but your a better off cunt than the rest of us who r getting shafted

That's not the point mate.

No insurance means 6 points... Goodbye license to some, hello higher insurance to others.

Might as well bite the bullet and pay the extortionate amount.

[wolf_gsxr]

i do. i need it for my job so ive got a traders but he didnt have a licence and had no intention of getting one. i was expecting him to get a few months not a 180 quid fine. i got more of a bollocking in court for telling them it was rediculus he only got that

[Moke]

i do. i need it for my job so ive got a traders but he didnt have a licence and had no intention of getting one. i was expecting him to get a few months not a 180 quid fine. i got more of a bollocking in court for telling them it was rediculus he only got that

That's the justice system for you..... Even though it's fucked, it still always wins.

It'll be just your luck that you'd get pulled over and you'd get points, a fine, etc for not having insurance or what not.

We're being bent over and there's nothing we can do about it :y:

[Tc24]

As I understand it, you can have multiple policies in your name, and earn NCB on both policies. Lets use this as an example - Someone earns 1 years NCB on 1 car. That means this person can apply that 1 years NCB to any 1 car at a given time. If the insured wished to insure 2 cars, the 1 years NCB will only apply on 1 policy.

However, if the person owns 2 cars, each with their own policy and 1 years NCB, it means the insured can then insure 2 cars with 1 years NCB.

Basically, your NCB can only apply to 1 vehicle at a time, and only increases 1 year at a time regardless of the number of vehicles.

Working at an insurance brokers has taught me something at least :y: