personal finance

Why can’t I get a no-claims bonus on my second car?

I bought a second car and found an insurance quote. I sent a copy of the insurance certificate for my other car showing 10 years’ no-claims discount (NCD) but was told I would have to pay almost £90 more because I needed to build up an NCD on my new car. How can I have 10 years driving one vehicle and none driving another?

VW, Leicestershire

Unfortunately, that’s the way it works. Although you’d think an NCD reflected your skill as a driver rather than what wheels you drive, it actually applies to a single vehicle. You can usually transfer it if you replace a car but not add it to a second car.

There are insurers who will allow you to mirror your NCD on a second car if you buy a multicar policy, so it would be worth asking the insurer of your other car what they can offer.

Otherwise, shop around for a deal on both vehicles when your existing insurance comes up for renewal.

If you need help email Anna Tims at or write to Your Problems, The Observer, Kings Place, 90 York Way, London N1 9GU. Include an address and phone number. Submission is subject to our terms and conditions


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