No-claim discount when insuring a second car?
By not claiming damages on your car insurance policy, you build up claim-free years. This is also known as no-claim discount. What about the no-claim discount when insuring a second car?
No-claim discount and a second car
No-claim discount is the discount you get on your car insurance when you do not claim any damages. Having or not having claim-free years makes a big difference on the premium of your car insurance. It is important to note that the car insurance must be in your name. What about when you buy a second car? Will you get the same discount? Insurers have different regulations for second car insurance.
If you get a high no-claims discount on your first car insurance policy, you would prefer to get this discount on a second car as well. Another method is to take over the discount from your first car insurance policy up to a certain discount amount. It is also possible to get a fixed percentage discount for your second car.
Car insurance for a second car
When taking out car insurance for a second car, you do not have to start building claim-free years all over again. You can take advantage of the second car scheme. With this scheme, the discount is taken over from the first car, but the policies are not otherwise linked. In case of damage to one car, it does not affect the other car insurance policy.
There are a number of conditions for obtaining two-car car insurance with the second car policy. For example, children are often not allowed to be named as regular drivers on the policy. Many insurers require the second car to be in the same name as the first car. There are also sometimes restrictions on the amount of the second car's list value.
In many cases, the second car must be insured with the same insurer as the first car. Some insurers are willing to take into account accumulated claim-free years on another policy (with another insurer), but this is quite rare.
Second car arrangement
So it is important to check if your current insurer offers the second car arrangement. Does your current insurance company not offer this arrangement? Then you can choose to switch to another car insurance company. This way, you can save a lot of money and save on your monthly expenses.
On our website you can easily compare insurance policies. This way you will always find car insurance that suits you best.
Do you have questions regarding second car insurance or your no-claims discount? If so, please contact us. We will be happy to help you! We can be reached Monday to Friday between 08:00 and 18:00 on telephone number 088-6883700.
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