買過二手車，而家想買新車，仲可唔可以當自己第一次買車？

1. 如果佢買二手車唔夠一年(大概2個月)，咁佢去買新車果陣，係咪NCB都應該係0%
answer: 係0%
2. 佢應該會同屋企人一齊去買車，咁響舖頭度可唔可以話係第一次買車？
answer: no need to answer or declare it.
3. 然後填insurance都係咁講？
answer: insurance porposal form will not ask this question. Only ask your friend's age and how long does he/she got the driving license. Age below 25 or less than 2 yrs driving experience, insurance company will add loading or reject the application.
4. (佢話好似響舖頭買埋保險，係咪架？)
answer: 唔係架. you can find your agent to compare the premium.
5. 佢意思係，除左運輸署果邊可以唔比屋企人知，買車果陣得唔得喎？
answer: YES.得喎

If you need help, you can call my agent: Miss Wong 3589 5000

1.) 你朋友吾同屋企人講, 佢屋企人吾會知佢之前買咗架二手車ga,
2.) 運輸署有紀錄, 但佢屋企人都check吾到ga, 除非有佢架二手車車牌先可以check到個 架車個車主係佢
3.) 你朋友係無ncb ga, 要等滿一年而又無claims過先會有10%(貨車及van仔,每年加10%, 最高有30%) or 20% (私家車, 頭一年20%跟住每年加10%,最高有60%)
4.) 人哋未必會問你有無買過車, 因為投保書好少會咁問,

其實你都問得幾得意...
你朋友當然唔係 「 第一次買車 」 啦, 運輸署當然有紀錄啦...
但問題係, 如果你朋友要 「 瞞屋企人」, 其實你朋友唔同佢地講, 又或者攪手續時唔叫佢地去, 比幾錢 insurance 唔話佢地知... 咁佢地仲點知你朋友 d 野呢 ?

insurance 方面, 我之前都問過, NCB 係會一年年加上去, 令你來年可以有 discount, 但如果中間有一段時間你無做車主 ( 或任何駕駛相關事務 ) 咁 NCB 係會斷o既 ! 斷左咁點呢 ? 係會由頭再計過 !

時間方面, 好似係一年 ! 但正式時間, 你可以問返 agent, 如果你朋友賣車之後一年先再買車, 係無 NCB, 咁 insurance 係會寫 0% NCB.