If a client currently owns and insures another vehicle, some insurers may offer a discount if they have NCB on said other vehicle. This is separate to any NCB being applied directly to the policy.
For Mirrored NCB to be considered, the other policy would have to be under the policyholder’s own name and currently in use on a separate vehicle insurance policy.
When questioning any mirrored NCB, always check what type of policy the vehicle. Whilst insurers will generally look at most policies, they won’t consider motorcycle bonus, either directly or as a mirror discount.