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Build NCD with a Mirrored policy?

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G_Cam

Member Since: 12 Aug 2010
Location: Fife
Posts: 2061

2013 Discovery 3 3.0 TDV6 Commercial XS Auto Fuji White

Build NCD with a Mirrored policy?

A quick question

Mrs G_Cam has had A Plan Insurance for some 8 years with two DIFFERENT vehicles. It was not a Multi car Policy! They were on two separate policies.
When the second vehicle was insured A Plan offered to Mirror the first policy as there was probably 20+ Yrs NCD (I know you only sometimes count up to 9 or 10 years)

SO The Question IS

Does the Second Policy build up NCD (it has been in place for 7 odd years?)

Thanks 1 TR6 Rusting away quietly
1 FARR UTV SOLD
1 International Harvester SOLD
7 x D3 all SOLD
2 x D4 both SOLD
1 x Mrs D4 'Panther' SOLD
1 x Outlander van SOLD
1 continual stream of car parts and me living in the garage...

11th Feb 2020 6:58 pm

BBDisco3

Member Since: 23 Nov 2008
Location: Cheshire
Posts: 3646

Yes it should have 7 years worth as a minimum

(Subject to no claims being made on the policy)

11th Feb 2020 9:11 pm

A-Plan Insurance
Site Sponsor

Member Since: 30 Oct 2013
Location: United Kingdom
Posts: 352

Re: Build NCD with a Mirrored policy?

G_Cam wrote:
A quick question

Mrs G_Cam has had A Plan Insurance for some 8 years with two DIFFERENT vehicles. It was not a Multi car Policy! They were on two separate policies.
When the second vehicle was insured A Plan offered to Mirror the first policy as there was probably 20+ Yrs NCD (I know you only sometimes count up to 9 or 10 years)

SO The Question IS

Does the Second Policy build up NCD (it has been in place for 7 odd years?)

Thanks

Bit late to the party

Yes it should accrue it's own no claims bonus - and will stop being mirrored when it gets to whatever the 'maximum ncb discount' is with the insurer which is usually 9 years.

Carlie Howden | Specialist Vehicle Insurance
Call us on 01635 874646 for a quotation

18th Mar 2020 1:19 pm

G_Cam

Member Since: 12 Aug 2010
Location: Fife
Posts: 2061

Many Thanks

We managed to sort it all out so ended up with two lots of NCD for Mrs G_Cam So thanks for that

1 TR6 Rusting away quietly
1 FARR UTV SOLD
1 International Harvester SOLD
7 x D3 all SOLD
2 x D4 both SOLD
1 x Mrs D4 'Panther' SOLD
1 x Outlander van SOLD
1 continual stream of car parts and me living in the garage...

19th Mar 2020 5:49 pm

Farmer Chalk

Member Since: 06 Mar 2013
Location: Independent Republic of Kentishshire.
Posts: 4197

2008 Discovery 3 TDV6 HSE Auto Tangiers Orange

Think you can bank it as well if you suspend one policy... I seem to remember for 18 months??

So you can buy a second vehicle in that period and resume the NCD rather than loosing it and having to start again!

19th Mar 2020 10:07 pm

A-Plan Insurance
Site Sponsor

Member Since: 30 Oct 2013
Location: United Kingdom
Posts: 352

Ncb can lay dormant (unattached to a vehicle) for 2 years before you lose it 👍

Carlie Howden | Specialist Vehicle Insurance
Call us on 01635 874646 for a quotation

20th Mar 2020 1:54 pm

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