I'm just getting quotes for my bike, and there's the usual disclaimer about your NCB not being used on another vehicle. 
They ask for proof of entitlement, but they always want a copy of the renewal from your previous insurer. That suggests to me that insurance companies don't have any way of getting this information electronically, so you probably could get away with insuring two cars with separate companies, sending them both a copy of your proof of NCB.

Just to make it very clear, I've got no intention of doing this, and it would obviously invalidate your policy if/when it came to light, but would it actually work in practice?

I suspect that once you've got past the first twelve months and then get two separate renewal quotes each stating your NCB that it would be even less likely to be found out.

I expect they can check it, they just let you dig your own hole in which they can bury a future claim. The same would apply to lots of other things they ask you.

Tried it, after 4 weeks got a letter explaining the NCB was used on another car and couldnt be used on another and how much extra premium they wanted. I'm assuming they can check, there might be a few that dont. 

 

They do seem to make their own rules up on NCB, a guy at work had bikes for years and years, had max NCB but then took 4 years off the bike, recently got another and when he insured it they said this year they'd have to insure it with no NCb but next year they'd give him all his years back he lost! Very random. 

Edited 19 September, 201510 yr by matt1chelski

Yep, there doesn't seem to be a consistent set of rules that all insurers work to.

I know some will choose to give you a couple of years if you insure a second vehicle with them and have a claim free history, but others will stick firmly to zero.

 

A pet peeve of mine is insurers who lose some of your NCB for you. I know in practice, there's basically no difference once you get above five years, but I find it annoying to take out a policy, submit proof of ten or more years NCB, then come renewal time be told that I've only got seven!

Both my car and bike NCBs are on ten at the moment and have drifted up and down, but it's been about 18 years since I actually made a claim on either.

Yep, there doesn't seem to be a consistent set of rules that all insurers work to.

<snip>

 

Yes there is. The rule is that at some point they will catch you out at any and every dodge you may have tried, and at that point will invalidate your insurance and refuse a claim, just when you really need insurance.

 

So in answer to the thread title "Would you get away with it"? Not as long as you have a hole in your arse...

Some insurers allow mirroring.

I have 6 yrs no claims bonus and my insurance company let me use it on 3 cars that I own. Mind you that is all within the same insurance company, but different underwriters. It's not a multi car policy they are 3 distinctly different policies too.

My stepfather did this years ago and despite me warning him about it, would not have it that he was in the wrong and genuinely believed that's how no claims bonus worked. When he and my mum bought a second car he simply used the proof of full no claims from their main car (which they still owned) to get immediate full no claims on the additional car. In those days (early 90s) insurers weren't so switched on to these things and it was never spotted. I very much doubt anyone would get away with that now however.

Edited 19 September, 201510 yr by nick74

Also notice that when you have more than one vehicle they are not interested in ncb's from other vehicles but want to know about the claims you've made tho

In other words 'forget the good stuff,just give us the bad'

Annoying to say the least!

For me the policy should be linked to the drivers history for all counts i.e I am worth 20years+ ncb no matter what I insure

So wait.. you can only have 1 NCB for 1 vehicle and it doesn't apply to you driving multiple vehicles unless you're specifically under a multi-car policy?

Edited 20 September, 201510 yr by bspman

I think some insurers are more enlightened than others, but I'd be straight with them. It doesn't make sense to me, but one has to accept reality.

So wait.. you can only have 1 NCB for 1 vehicle and it doesn't apply to you driving multiple vehicles unless you're specifically under a multi-car policy?

 

Pretty much, I currently own 2 cars and insure both of them in my name. One car has my oldest policy on it and has had max NCD for donkeys years, the other car is insured with zero NCD because you can only use the NCD once.

Pretty much, I currently own 2 cars and insure both of them in my name. One car has my oldest policy on it and has had max NCD for donkeys years, the other car is insured with zero NCD because you can only use the NCD once.

 

From one perspective.. that makes no sense to me. Surely the NCD should be associated with an individual rather than a vehicle?

I'm using mine on 2 cars with dirrerent underwriters but same broker. It's never been questioned at any point, I just asked them to mirror all my details onto my second policy and they did including NCB

From one perspective.. that makes no sense to me. Surely the NCD should be associated with an individual rather than a vehicle?

 

yes, but then they wouldn't be able to scr** that extra money out of you!!

 

I mean they ask you very clearly have you had any accident in any vehicle, even if it's not insured by you. That goes against you yet not claiming doesn't mean you have x amount of NCB to use on more than one vehicle.

 

Though I'm sure there are reason's for this, that us mere mortals do not understand.