Hi Warrenpenalver,

It's been a while since we spoke on here, so I hope that life's been kind to you in the interim.

Just to answer your point in relation to proven claim free driving, if you have 6 (65% with us) years NCB upon your first policy and have a good recent record from a claims perspective there are Insurers that can mirror your NCB onto a 2nd car.

Insurers are dead wary of fronting (ie. using your record to help someone else who has not earned any NCB), which will be a consideration. But once we clear that hurdle they will allow a concession for genuine cases to reflect your record upon the 1st car.

This will usually start on the basis of the same percentage discount that you have earned upon the 1st car being allowed upon the second car. So if you have 6 years 65% discount, it's likely you will receive a 65% 0 years introductory discount upon the 2nd car.

Once you reach the end of the year claim free, the mirrored NCB policy would then have a 65% 1 year (rather than 65% 0 years) discount.

We have quite a lot of customers with 2nd cars and depending upon the type of vehicle, we can accommodate these either by mirroring NCB percentages or in the case of genuine classic models (recognised by the classic car press) we can use classic/custom policies that are exposure (rather than NCB) related.

Hope this helps

Kind regards

Tony