I pick up my E63 Estate (a little bit excited!!) this afternoon and just in process of sorting insurance.
I currently have 15yrs ncd and when on comparethemarket the quote is coming out the same price if I tell them only have 10yrs ncd. If I take the insurance out using 10yrs ncd does this mean I can use the remaining 5 on another vehicle (I am looking at buying a daily smoker).
Thanks
I found myself in a similar position last year .
Although I've always had one 'main' car , and at times a number of other cars , the main car has built up max NCD and the other cars were generally insured on classic policies - this has generally been fine for my 'hobby' cars which didn't do high mileages and were genuinely cherished classics which were kept as near original as possible .
Some three or four years back , when I was running a C270 as my daily , it was on a normal policy , with business use etc and had full NCD . Because that car turned out to be a money pit with one thing going wrong after another , I looked to go back to an older car which would be both more reliable and easier to maintain myself - hence I picked up a late 190E and insured it on a classic policy , and ran it over a year - during which time there turned out to be a problem with the cylinder head - a known issue on the 1.8L version of the M102 .
In between , I had swapped the C270 for my R129 , and transferred the insurance with NCD to the SL . At this point I took the 190 off the road and , rather than fix the cylinder head , I decided to modify the car by putting in the 2.3L version of the M102 - basically the same engine but with a useful power and torque increase . The car was off the road approx 18 months while I did the engine swap , brake and suspension rebuild and other bits & pieces . When the time came to reinsure , none of the classic insurers would touch it ( as I expected ) due to the modifications , neither would Privilege ( Direct Line ) with whom my other car was insured , and I had no NCD to apply as classic policies don't generate NCD ( they are specialised low cost policies for low mileage vehicles ) .
I could have put the SL on a classic policy , but I like driving it too much and often use it for work , so I was looking for another policy for the 190 to start in its own right , complicated by the modifications which meant that fewer insurers would touch it . After a bit of phoning round , Adrian Flux gave me a very competitive quote , with all modifications taken into account , and agreed to mirror the NCD I had on my SL - in the end I got the 190 insured on very similar terms to the SL - unlimited mileage , business use , with full NCD - each car costing me approx £200 with different insurers .
Both Privilege and Adrian Flux have been very good to deal with , although I haven't had occasion to claim with either of them .