@Glos Guy
What you’re saying makes sense. I was looking at it from the question posed by the OP, not NF170’s post which I agree could be taken both ways. I believe the NCD should be based solely on the driver’s history. The driver is the risk so I think anyone who is lucky enough to be able to have a second car shouldn’t be penalised for it. However, insurance companies are a bit of a cartel and seek out every opportunity to pad our premiums. Cheers 🍻.