I bought a second car and found an insurance quote. I sent a copy of the insurance certificate for my other car showing 10 years’ no-claims discount (NCD) but was told I would have to pay almost £90 more because I needed to build up an NCD on my new car. How can I have 10 years driving one vehicle and none driving another?

VW, Leicestershire

Unfortunately, that’s the way it works. Although you’d think an NCD reflected your skill as a driver rather than what wheels you drive, it actually applies to a single vehicle. You can usually transfer it if you replace a car but not add it to a second car.

There are insurers who will allow you to mirror your NCD on a second car if you buy a multicar policy, so it would be worth asking the insurer of your other car what they can offer.

Otherwise, shop around for a deal on both vehicles when your existing insurance comes up for renewal.

If you need help email Anna Tims at your.problems@observer.co.uk or write to Your Problems, The Observer, Kings Place, 90 York Way, London N1 9GU. Include an address and phone number. Submission is subject to our terms and conditions