NCD - why is it linked to a car not a person ?

[buxtonmarauder]

If this question has been asked before, I couldn't find it..

 

Please can a knowledgeable person explain to me why NCD is connected to a combination of person AND vehicle ?

 

Surely NCD is applicable to the person driving, cars don't have accidents on their own !

 

This topic has vexed me for a while and only when I stumbled on this forum did I think I might get a proper answer from someone in the industry.

 

I'm primarily interested in the logic behind the thinking, I'm not interested in a flame war, the rules are the rules, but I really don't understand the logic.

 

Thanks

[SabreSheep]

I was always on the understanding the NCD was attached to the driver/and could be transferred to other policies.

[buxtonmarauder]

Thanks, but if I own two cars, and I am the only driver for both of them, why do I need to accrue NCD on both cars independently ?

[2ltr16valve]

Thanks, but if I own two cars, and I am the only driver for both of them, why do I need to accrue NCD on both cars independently ?

 

Because it earns the insurance company more money is the short answer.

 

Some companies will mirror the ncd to the other policy

[unclebulgaria67]

A lot of practice within insurance is due to custom. At some point when NCD was introduced, it was earned by a policyholder related to one car. This was probably at a time when the vast majority could only afford to own one car. Then from the 1990's onwards it became pretty common for people to own more than one car, but the insurers did not allow the NCD entitlement again on any second policy required. If the policyholder wanted to earn an additional NCD for a second car policy, they had to earn it.

 

This is not to say that at some point an insurers decides to offer NCD earned on one policy, to be also allowed on a second policy.

 

If you own more than one car, you should really be using a local insurance brokers, who will should look at what options work out the best. i.e multi-car or two policies with different insurers.

[Mwynci]

It's all about main driver and fronting issues, it's most likely that if you have 2 cars you are not the main driver, if you are on both and have a weekend car, then chances are you would have gone to a specialist broker and underwriter.

There are the generic rules, but insurers are usually flexible if approached and if you have the right one. There's always a specialist out there. There are the off the shelf multicar policies, but the often have their issues with NCD.