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Motorhome Facts :: View topic - No Claims Discount with multiple policies

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No Claims Discount with multiple policies

compassrose

Joined: May 01, 2005

Posts: 63

MH: Rapido 776FF

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Location: Barry

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Renewal time for campervan policy but I also have a separate car policy with the same company - does a claim on the car policy affect my NCD on the campervan policy?

safariboy

Joined: May 01, 2005

Posts: 1133

MH: Bessacarr E530

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You will have to ask but my understanding is that each vehicle is treated separately. This is why you cannot get a no claim discount on a new motor home policy on the basis of a car policy.

insurance

roclaire

Joined: Apr 02, 2008

Posts: 98

MH: swift sundance

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unfortunately ,you will find it will ,unless you have a protected bonus..if you have it will apply to car .not car and motorhome ,,when renewing your policy it is worded that its up to you to disclose all facts that could affect your insurance ..honesty is best thing here ..
coz if you don't mention .car claim .then have accident with motorhome .
they can refuse to pay out..and with comps it only takes them minutes to find relevant facts ..so for what you save on premiun ,by not disclosing ..could cost you ten times as much ,if your unfortune to have an accident with motorhome ...

Mystery_Machine

Joined: Aug 10, 2008

Posts: 66

MH: Eura Mobil PA 660HB

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We'll be purchasing our first motorhome soon and I'm finding the

insurance side of things confusing. We were planning on using my

husband's full no claims bonus from a car policy against the motorhome

and start again on the new car. Is this not possible?

Insurance

Rapide561

Age: 39

Joined: Oct 01, 2005

Posts: 17203

MH: Swift Kon-tiki 679 low line - The "HMS Sheffield"

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Hi

My view is it is worth chatting with your insurer.

When I bought my first motorhome, the insurer "matched" the discount on the car policy.

Russell

______________________________________________________________
Our long trip around Europe - blog now online at www.swift-kontiki.co.uk

javea

Age: 71

Joined: Jun 08, 2007

Posts: 1341

MH: Hymer B544 SL

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Location: Nottinghamshire France and Spain

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The NCD applies individually to each vehicle. A claim on one will not affect the NCD on the other.

If you are insuring a motorhome for the first time the insurer will normally allow an introductory NCD if you have claim free years on your car insurance.

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