Well, it sounds rediciolous to me, that NCB attached to a car. It used to be applied to driver only. Even when I do aplicattion form for insurance, it asks me for my NCB, without any car related. New drivers buys cheap cars to earn that NCB, to have better insurance price for their next better cars. And how it sounds, when you come to insurance, and they ask if you had any accidents? And you say that there was no accidents for 5 years on one car and 2 years no accidents on another?
But what if to buy one insurance for two cars?...🤔
Another thing is second driver. If you are as a second driver in insurance contract, you don't earn NCB. If you are insured by company for driving company's car, you don't earn personal NCB.