Hi pcressie,

Unfortunately, you can't break down your NCB into the individual years to use separately.

You will find that some Insurers will allow an introductory, or mirrored concession based upon your record under the first policy. This will require your being claim free of non-recoverable incidents (other than windscreen claims) for 4-5 years, but providing this is the case you should be ok.

Hope this helps.

Kind regards

Tony