insurance question regarding NCB
Discussion
can anyone help ?
the wife is coming out of the company car scheme so is having to start insuring her own car again. She has not had insurance in her own name for 3 years but has had 3 years claim free on the company car and about 8 years as a named driver on my cars and about 9-10 years in her own name before going into the scheme.
she is finding getting reasonable quotes quite difficult roughly double what it is for me on the same car.
anyone got any ideas on what she can do to get the quotes lower at all ?
the wife is coming out of the company car scheme so is having to start insuring her own car again. She has not had insurance in her own name for 3 years but has had 3 years claim free on the company car and about 8 years as a named driver on my cars and about 9-10 years in her own name before going into the scheme.
she is finding getting reasonable quotes quite difficult roughly double what it is for me on the same car.
anyone got any ideas on what she can do to get the quotes lower at all ?
She is already getting NCB. She has not had any claims. If she did, her insurance would be higher as she would have to declare them.
Since she does not have claims, she does not have claims to declare and her insurance is lower as a result. Therefore the NCB is already applied.
NCD is a different thing entirely and it's pretty much insurers discretion whether you get it.
Since she does not have claims, she does not have claims to declare and her insurance is lower as a result. Therefore the NCB is already applied.
NCD is a different thing entirely and it's pretty much insurers discretion whether you get it.
Raize said:
She is already getting NCB. She has not had any claims. If she did, her insurance would be higher as she would have to declare them.
Since she does not have claims, she does not have claims to declare and her insurance is lower as a result. Therefore the NCB is already applied.
NCD is a different thing entirely and it's pretty much insurers discretion whether you get it.
ok i get that but its a bit of a pisser when i can insure an ls430 for less than she can insure an A2 ! Since she does not have claims, she does not have claims to declare and her insurance is lower as a result. Therefore the NCB is already applied.
NCD is a different thing entirely and it's pretty much insurers discretion whether you get it.
mikal83 said:
I love it when your NCB can only go towards only 1 car, not 2 or 3 or whatever, even tho you can only drive one at a time....its all a con.
So if you'd had 3 cars for years and had max ncb on each, and you had an accident in 1 car, you'd be happy to lose the bonus on them all?France has that system where your ncb can be used on numerous cars, but you also lose it on numerous cars and guess what, on PistonTetes they complain that it's a con and they should have a system like the British.
Raize said:
She is already getting NCB. She has not had any claims. If she did, her insurance would be higher as she would have to declare them.
Since she does not have claims, she does not have claims to declare and her insurance is lower as a result. Therefore the NCB is already applied.
NCD is a different thing entirely and it's pretty much insurers discretion whether you get it.
Wrong. NCB and NCD are the same thing. What you're talking about is an introductory discount for a claim free driver without any ncb/ncd. Since she does not have claims, she does not have claims to declare and her insurance is lower as a result. Therefore the NCB is already applied.
NCD is a different thing entirely and it's pretty much insurers discretion whether you get it.
TwigtheWonderkid said:
So if you'd had 3 cars for years and had max ncb on each, and you had an accident in 1 car, you'd be happy to lose the bonus on them all?
France has that system where your ncb can be used on numerous cars, but you also lose it on numerous cars and guess what, on PistonTetes they complain that it's a con and they should have a system like the British.
You had an accident! Thats the risk factor and thats what insurance is all about isnt it?France has that system where your ncb can be used on numerous cars, but you also lose it on numerous cars and guess what, on PistonTetes they complain that it's a con and they should have a system like the British.
If it wasnt your fault, great, if it was........why should I subsidise your s
t driving standards mikal83 said:
TwigtheWonderkid said:
So if you'd had 3 cars for years and had max ncb on each, and you had an accident in 1 car, you'd be happy to lose the bonus on them all?
France has that system where your ncb can be used on numerous cars, but you also lose it on numerous cars and guess what, on PistonTetes they complain that it's a con and they should have a system like the British.
You had an accident! Thats the risk factor and thats what insurance is all about isnt it?France has that system where your ncb can be used on numerous cars, but you also lose it on numerous cars and guess what, on PistonTetes they complain that it's a con and they should have a system like the British.
If it wasnt your fault, great, if it was........why should I subsidise your s
t driving standards Individual bonuses per vehicle is just fine in my book.
Regardless of the semantics, the price is high because your wife hasn't had a policy in her own name for 3 years on which she hasn't claimed. If available, a letter from the fleet insurer stating she hasn't claimed will go some way to lowering her premium with many insurers. In my experience many fleet insurers won't do this if someone else has claimed on the group policy though.
On the NCD per person/car argument I'm of the opinion that it's a con - they make you build up NCD on multiple cars, but in reality if you make a claim they push the premium up because of the risk factor - not because your NCD is protected or otherwise. So you still get the same discount - just off a massively increased premium. The only reason it works is because 90+ % of the insurance industry do it. The remaining 10% is how 21 year olds get insured on fast cars ;-)
S
On the NCD per person/car argument I'm of the opinion that it's a con - they make you build up NCD on multiple cars, but in reality if you make a claim they push the premium up because of the risk factor - not because your NCD is protected or otherwise. So you still get the same discount - just off a massively increased premium. The only reason it works is because 90+ % of the insurance industry do it. The remaining 10% is how 21 year olds get insured on fast cars ;-)
S
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