In August last year I had to insure a heavily modified car so I took the 2 years ncb off my daily driver ( 1 month before my 3rd year) so I could get it insured to get to Germany, I started a new policy on the daily driver and as of friday I would have a year on that policy.

The nova insurance I had running was ended in June this year so I never gained any ncb through that policy.

As I had 2 years ncb before I started my daily driver insurance I should be on 3 years this time round although they would need adding together, obviously I'm not trying to add 2 years ncb that I earnt in the same year but as they were earnt in seperate years I can't see the problem.

Edited :

Just been on the phone to Churchill and they weren't having it and even worse they trippled the online quote for having a set of wheels, stainless exhaust and some lowering springs !

My quote on confused.com was for me with 2 years ncb, standard car and came out at £430, they just quoted me £1500+ over the phone inc the above mods !!