I know that I cannot use No Claims Discount on the second car but my question will be a little bit different. I build 4 years NCB in last 4 years. But there was a moment when I bought second car. When I insured it I couldn't use NCB so second car had 0 NCB. After a year I sold a car and I got from the company 1 year NCB. Now again I have 2 cars. Can I use 4 years NCB for my main car and 1 NCB for second car? In theory I should, this is separate thing. Or I cannot?


  • There are a lot more factors we'd need to know before this can be answered. Are you the only person on both insurance policies? Are both cars insured with the same firm?
    – Vicky
    Commented Jan 30, 2016 at 21:08
  • i'm the main driver on both policies [my wife is a second]. I do not have a firm.
    – mark
    Commented Jan 31, 2016 at 11:42
  • No, I mean, are they both insured with Direct Line or Admiral or Churchill or whoever, or is one insured with Direct Line and the other with Admiral (etc.)
    – Vicky
    Commented Feb 1, 2016 at 7:25
  • I'm sorry. Yes one firm AXA.
    – mark
    Commented Feb 3, 2016 at 11:11

2 Answers 2


That sounds OK, where you have two separately built up lots of NCD,. You can choose what to use, as long as you don't use one NCD on two cars.

Be careful as each company has policies on how gaps affect NCD, I'm not sure they are consistent across the industry. For example Direct Line requires the NCD to be less than two years old, so if you don't use it you lose it, others might have shorter limits.


Most companies typically ignore NCD if they've gone unused for more than two years.

However its worth noting that some let you combine your NCD, I have two cars insured under my name and transferred my NCD from one car to the other so i don't loose them.

Doing this I've managed to get 5 years NCD on one car even though i am only 21.

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