Earning a no claims discount through years of careful driving can have huge benefits on the price of your car or van insurance. However, if you want to purchase a second car or van, then that vehicle will usually have to start afresh with 0 years of no claims discount. A mirrored no claims discount allows a driver to copy (or mirror) their current no claims bonus to their second vehicle.
Additionally, if you have spent years driving the vehicle of your husband, wife or civil partner without incident, then you may be able to use a mirrored no claims discount on a separate car.
Who can apply for a mirrored no claims discount?
The requirements to utilise a mirrored no claims discount are pretty small. For those looking to use an NCB on 2 cars or vans, you must be:
- The policyholder of another current UK car or van insurance policy
- A named driver on another current UK car or van insurance policy and be the husband, wife or civil partner of the policyholder
- Live at the same address as the policyholder and have driven the car or van claim-free for as little as one year
How to use a mirrored no claims discount?
QuoteRack will submit your details to our partner insurance brokers who specialise in helping those planning on using a no claims bonus on a second car, and they will ask you for the details of your existing insurance policy to see whether you are eligible to receive an equivalent mirrored no claims bonus on a second car/van.
Will I keep a single renewal date?
If you’re planning on using your NCB on 2 cars, your insurer will add the second car to your existing car's insurance policy, meaning that you will keep the renewal date of the policy for the first car, even though it will cover both vehicles.
However, you might want to insure a car for which your existing insurer's quote might not be the cheapest. In these circumstances, it might work out cheaper to insure the second car separately with a different insurer and perhaps obtain an introductory discount based on your driving record.
Is a mirrored no claims discount cheaper?
Each policyholder's circumstances are different, so there's no guarantee that mirroring your no claims discount will work out significantly cheaper - but it's definitely worth asking the question.
There are some restrictions, including the requirement that the policyholder must be aged over 21, all vehicles will only be used for private use and registered at the same address, but otherwise the use of a mirror no claims discount is very straightforward and may save you a significant amount when it comes to insuring a second car.
Frequently asked questions
Can I use my NCB on a van?
Yes - you can use your mirrored no claims discount or 'mirrored NCB' on a car and a van, two cars, or two vans.
What's the difference between mirroring NCB and transferring it?
Mirroring your NCD is not the same as transferring your no claims bonus from one vehicle to another - with a mirrored NCB, you effectively enjoy the discount on both vehicles at the same time.
How can QuoteRack help with a mirrored no claims bonus?
If you have explored other sources of enquiry in your search for a mirrored no claims discount, then you are welcome to submit your details through the QuoteRack website, without cost or obligation to proceed when you receive your insurance quote.