Free VW insurance can't protect NCD. Options?
Discussion
TwigtheWonderkid said:
mybrainhurts said:
TwigtheWonderkid said:
mybrainhurts said:
Not quite what your average driver would expect, or think he's paying for. Therefore, a rip off. As I said.
Not at all. Being ripped off is being charged for something you shouldn't be charged for, not being charged correctly for something you don't understand, and therefore weren't expecting.But now I've kindly explained it to you, if you have a claim, you will be expecting it, so I've stopped you from being ripped off. No need to thank me!
TwigtheWonderkid said:
BertBert said:
But is it not really well understood that there are normally two effects of an accident?
1 you are a higher risk, so the starting premium goes up
2 you lose some no claims discount so it's not discounted as much.
Protecting your no claims only affects item 2.
Bert
Gggrrr....why do insurers have to make it all so complicated!1 you are a higher risk, so the starting premium goes up
2 you lose some no claims discount so it's not discounted as much.
Protecting your no claims only affects item 2.
Bert
I was insuring before the advent of protected NCB and I have never been told what you have revealed. No doubt it is in the small print, but that's a piss poor form of disclosure because nobody reads it, and well the insurers know.
I thought I might have been lax in not educating myself about this so I asked 14 people today how they thought a NCB works. Not one of them knew.
So, I roll your eyes back in your general direction.
TwigtheWonderkid said:
BertBert said:
But is it not really well understood that there are normally two effects of an accident?
1 you are a higher risk, so the starting premium goes up
2 you lose some no claims discount so it's not discounted as much.
Protecting your no claims only affects item 2.
Bert
Gggrrr....why do insurers have to make it all so complicated!1 you are a higher risk, so the starting premium goes up
2 you lose some no claims discount so it's not discounted as much.
Protecting your no claims only affects item 2.
Bert
98elise said:
TwigtheWonderkid said:
BertBert said:
But is it not really well understood that there are normally two effects of an accident?
1 you are a higher risk, so the starting premium goes up
2 you lose some no claims discount so it's not discounted as much.
Protecting your no claims only affects item 2.
Bert
Gggrrr....why do insurers have to make it all so complicated!1 you are a higher risk, so the starting premium goes up
2 you lose some no claims discount so it's not discounted as much.
Protecting your no claims only affects item 2.
Bert
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