Is it normal not to get Insurance no claims discount on a second car?

Is it usual to be charged the full premium for a second car when the first has maximum NCD applied?

Asked by Mike Lowe

Yes it is. No claims discount can generally only be used on one policy against one car.

You may be able to reduce your overall insurance costs by arranging cover so that the NCD is applied to the higher risk vehicle. Some multi-car policies may also give a discretionary discount for a second car.


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