NCB Question (company car)
Discussion
I changed jobs 18 months ago & took a company car short term, which I've had no claims on in the 18 months. Car goes back next Friday so looking at options currently for a replacement I will be buying myself.
Before that I had 7 full years NCB plus a part year for the 6 months before I took the company car.
Is it worth trying to piece together the 2 separate policies to get another 2 years NCB? Is that even possible?
Before that I had 7 full years NCB plus a part year for the 6 months before I took the company car.
Is it worth trying to piece together the 2 separate policies to get another 2 years NCB? Is that even possible?
There are some insurers I believe who will take into account your ncb earned on a company vehicle but they would probably only allow you a full extra year of ncb and disregard the other 6 months as it is only a partial year,and having 8 years ncb instead of 7 is probably not going to make much difference to the premium.
Your previous 7 years ncb should still be valid from your old insurers but I would double check with them first.
I had a company van for 8 years and when it was taken from me by a penny pinching boss i bought my own car and I had to start again from scratch with ncb
Your previous 7 years ncb should still be valid from your old insurers but I would double check with them first.
I had a company van for 8 years and when it was taken from me by a penny pinching boss i bought my own car and I had to start again from scratch with ncb
wildone63 said:
There are some insurers I believe who will take into account your ncb earned on a company vehicle but they would probably only allow you a full extra year of ncb and disregard the other 6 months as it is only a partial year,and having 8 years ncb instead of 7 is probably not going to make much difference to the premium.
Your previous 7 years ncb should still be valid from your old insurers but I would double check with them first.
I had a company van for 8 years and when it was taken from me by a penny pinching boss i bought my own car and I had to start again from scratch with ncb
This is good adviceYour previous 7 years ncb should still be valid from your old insurers but I would double check with them first.
I had a company van for 8 years and when it was taken from me by a penny pinching boss i bought my own car and I had to start again from scratch with ncb
BertBert said:
The giving of ncb is up to your insurer.
The taking of ncb on a new policy is entirely up to the new insurer.
It's the daftest of things. The only way to get an answer is to talk to some insurers.
Bert
Why is it the daftest of things? Each insurer doing their own thing is the definition of a healthy competitive market. The taking of ncb on a new policy is entirely up to the new insurer.
It's the daftest of things. The only way to get an answer is to talk to some insurers.
Bert
When I gave up on a company vehicle that's exactly what I did, talked to some insurers, found out who was willing to take previous experience into account. Asked them what evidence they needed, they described in detail what the letter from the fleet manager had to include. He included that in the letter and job was sorted.
Maybe it helped going with the same company that my wife's car was insured with and I was named on that policy. They didn't give me the maximum no claims as I'd had no claim for about 15 years, but it was an acceptable result, and that's all that matters, as opposed to getting into an argument over a year or two.
Maybe it helped going with the same company that my wife's car was insured with and I was named on that policy. They didn't give me the maximum no claims as I'd had no claim for about 15 years, but it was an acceptable result, and that's all that matters, as opposed to getting into an argument over a year or two.
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