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PostPosted: Tue Dec 14, 2010 11:35 pm 
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Right heres one, hope someone can answer because i cant get it round my head lol

Ive got my policy on my fiesta, just me on it, 4 years no claims bonus bla bla

Im getting a polo too, want to start a new policy, in my name, with my girlfriend as a named driver. Am i right in thinking, that 1 this would start to build me a another no claims bonus up, and 2, if my girlfriend was to have an accident (god forbid!) that it wouldnt effect my fiestas policy/no claims?


Hope that make sense, just want to be sure!

Many thanks.

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PostPosted: Wed Dec 15, 2010 12:04 am 
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As far as I know you do start to build more no claims up on a secondary vehicle, and some companies may allow you to split you NCB and use them on separate cars if you wish too, or so I have heard.

If your girlfriend is added on your policy and she crashes, then yes it would effect your insurance I believe, how much I'm not too sure but if she was driving it 3rd party/fully comp via her own insurance policy, then it would be on her solely.

I wonder if one of SkyInsurance could pop in to confirm? :)

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PostPosted: Wed Dec 15, 2010 12:22 am 
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David Dickinson's Naughty Bit
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If she's on your insurance and crashes she kills your NCB.

but if your on hers she builds up her own no claims.

I don't know anything about splitting the NCB, but if your starting again with her on the policy it's still going to be expensive if your trying to get it cheaper?

I was on my parents insurance and they were forever telling me not to crash because they would lose all there NCB.

Hope that kinda helps :?

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PostPosted: Wed Dec 15, 2010 12:37 am 
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Well im not quite starting again chris, just another policy, all im thinking is because its on a totally separate policy, it shouldnt effect the other one.

Hhmm

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If she's on your insurance and crashes she kills your NCB.


What i need to know, is obviously that would kill the no claims for the policy but would it effect my separate fiesta policy.

Hopefully, someone in the know, will know!

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http://www.fiestamk3parts.com/ Info and guides on the Mk3 Fiesta

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PostPosted: Wed Dec 15, 2010 1:19 am 
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David Dickinson's Naughty Bit
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I see. Sorry

If you've got the seperate policy and your not using the McBride for a discount then I shouldn't think so.
But if youvare using it on that policy then it would be lost.

But I could be wrong/other ways around it.

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PostPosted: Wed Dec 15, 2010 8:32 am 
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haha :lol: @ mcbride!

its a second car to me, and having her (shes a new driver) on it is not much more so thinking why not!

keeping my well earned no claims on my fiesta!

edit, found this
http://www.confusedtoday.co.uk/if-i-have-2-separate-car-insurance-policies-and-make-a-claim-on-one-of-them-will-i-lose-my-no-claims-on-both/

Hopefully someone can confirm.

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http://www.fiestamk3parts.com/ Info and guides on the Mk3 Fiesta

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PostPosted: Wed Dec 15, 2010 10:41 am 
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David Dickinson's Naughty Bit
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:lol: where the fudge did mcbride come from? Phones can correct things in very strange ways

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