Hiya, hope you can help. Im very confused.

I took out a mutlicar policy with Admiral on 2 cars in my name. My OH is the main driver on 1, and I am the main driver on the other. Each of us are named drivers on the others policy.. hope your with me so far.

OH- Car 1 insurance started on 25th Sep 11 for 1 year.
Mine- Car 2- insurance due to start on 4th Oct 11.

The guy at Admiral phoned us several times as he was really keen to get the business. We had a few issues to clear up as car 1 has loads of modifications, so we needed a few calls here and there to sort out what needed cover.

The final call he made to us was to go over the policy details 1 more time and pay. At this point he said he will put the end date of the insurance on Car 2, as the same date as Car 1- 25th Sep 12. Therefor only 357 days worth of cover.

I then asked how this would affect my insurance next year, as I wouldn't get a whole years NCB. He said not to worry, as I would get 1 full year on Car 1 as a named driver and I could use that.

I was having a conversation today at work and my colleague is certain that I cannot use a NCB on another car and what the guy at Admiral told me was incorrect. I could use it as a NCB on the first policy, but could not add it to my NCB i have built up on Car 2.

OH has 3 years NCB. (Touch wood) he doesnt have an accident between now and the end of the policy, he will get 1 more-total 4NCB.

I have 3 years NCB on Car 2 already.
My colleague says that at the end of the policy, I can get a new policy using 3yrsNCB on Car 2, and 1yr on Car1.
This isn't what I wanted.I dont want to be a named drive on OH's car next year. I wanted to use 4yrs NCB on car 2!

I am not an expert on car insurance. I know very little. I have read through the entire policy on Admiral and I can't see much information on using the NCB.
The fact that the member of staff specifically said to me, not to worry, I can use the named drivers NCB made me pay the premium and go ahead.

I didn't think anything else of it until today, at work. Reading up online I think he may be right about not using NCB on a different car.

Any ideas what I should do?
I am going to ring them tomorrow. I'm thinking I should just extend the policy on car 2 so it lasts a whole year. Only adding a few extra days.

A nice little admin fee will apply for the amendment though and that ticks me off a bit, as I believe I was misinformed.

Any suggestions are welcome. Thanks for reading.