Can I keep separate NCD?

Yes with most providers — confirm 'mirrored NCD' is offered before switching.

Two or more cars in the household?

Multi-Car Insurance Savings (UK)

Multi-car saves 5–15% with the same insurer but loses individual NCD protection. See when it actually pays.

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The short answer

Multi-car polices give 5–15% off the combined premium and one renewal date. Drawback: a claim on one car often affects pricing on all vehicles, and individual NCD can be harder to protect. Run both quotes before committing.

Frequently asked

Can I keep separate NCD?: Yes with most providers — confirm 'mirrored NCD' is offered before switching.

Your policy is the only source of truth

Stop guessing. Check your actual policy.

Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.

Upload your policy$3 per analysis · $9 for all 4 tools · No subscription