Does my NCD apply to me, or to my vehicle?

In principle, your NCD applies to you and not to your vehicle. For example, if you sell your vehicle and buy another one, you will retain your NCD. However, if you own more than one vehicle, you might have a different NCD for each vehicle. You should check the details with your insurer, but generally your NCD can be transferred to another vehicle owned by you, but it can’t be applied to more than one vehicle at any point in time. Your NCD cannot be transferred to another person.