I'm aware that the NCD is carried by the car and not the driver, in that it's not possible to use your earned NCD on two cars. However suppose I take out a second policy and build up an extra lot of NCD on my second car, if I then have a claim in one of my cars, does this effect both policies come renewal time?

It would seem a bit unfair, but I'm sure most policies have a question about claims in the past 5 years or something similar, and don't caveat this with regards to if the claim is on a different vehicle. This would seem most unfair if it is indeed correct.

Edited by Craigdm on 03/02/2012 at 11:24