Need help saving my NCB (urgent)
Discussion
I painstakingly built up 8 years of NCB from my late teens but around 2 years ago I had to go car-free and I haven't had the need for a car within that time (sad f
king times) as I live in London.
Unfortunately, in a few days, it will be 2 years since my last insurance renewal and I don't have a clue how to save my NCB. I was going to buy a cheap run around but with the time of the year and low funds I can't. Also tried to insure myself on my dad's car (Honda CRV) but the cheapest price I got was £800!
Is there any way or any tricks I can do to save my NCB?
Thanks in advance.
king times) as I live in London.Unfortunately, in a few days, it will be 2 years since my last insurance renewal and I don't have a clue how to save my NCB. I was going to buy a cheap run around but with the time of the year and low funds I can't. Also tried to insure myself on my dad's car (Honda CRV) but the cheapest price I got was £800!
Is there any way or any tricks I can do to save my NCB?
Thanks in advance.
Buy a "spares or repairs " cheapy for 100 quid, insure it and then scrap it. Get a duplicate log book if need be.Don't know whether insurance co's can see if a car has been permanantly scrapped or not.??? Know anyone with a unused classic in their garage? Don't think you need to insure for a whole year anyway so insure something for a couple weeks and cancel?
Go on line and find a Citroen C1 for sale. Preferably from a dealer so it's not being driven on the road. Note the reg number and insure it. After a few weeks, call up and cancel. Pay the time on risk and ask for your new ncb. If you are ultra unlucky and the car is crashed while you have it insured, and the actual driver was uninsured so it ends up with you courtesy of the MID, tell your insurers you changed your mind about buying it and forgot to tell them.
How long will it be before you actually need to insure a car again?
Unless it's years from now, I'd imagine that if you ring an insurer at the time and explain the situation they may well honour it anyway.
Even if they don't, someone, somewhere will do a deal with an introductory NCB if you shop around (by phone), buying cars and insuring them just to keep your NCB will cost more than you'll ever save.
Unless it's years from now, I'd imagine that if you ring an insurer at the time and explain the situation they may well honour it anyway.
Even if they don't, someone, somewhere will do a deal with an introductory NCB if you shop around (by phone), buying cars and insuring them just to keep your NCB will cost more than you'll ever save.
TwigtheWonderkid said:
Go on line and find a Citroen C1 for sale. Preferably from a dealer so it's not being driven on the road. Note the reg number and insure it. After a few weeks, call up and cancel. Pay the time on risk and ask for your new ncb. If you are ultra unlucky and the car is crashed while you have it insured, and the actual driver was uninsured so it ends up with you courtesy of the MID, tell your insurers you changed your mind about buying it and forgot to tell them.
Without buying?And what happens when the insurance company asks for documents such as v5 to do a ‘random’ check?
If you are going to do this OP then it’s a risk and make sure that the assumptions in the policy does not state that the car has to be registered to you or your spouse etc or owned by you or your spouse or registered to your address.
321boost said:
TwigtheWonderkid said:
Go on line and find a Citroen C1 for sale. Preferably from a dealer so it's not being driven on the road. Note the reg number and insure it. After a few weeks, call up and cancel. Pay the time on risk and ask for your new ncb. If you are ultra unlucky and the car is crashed while you have it insured, and the actual driver was uninsured so it ends up with you courtesy of the MID, tell your insurers you changed your mind about buying it and forgot to tell them.
Without buying?And what happens when the insurance company asks for documents such as v5 to do a ‘random’ check?
If you are going to do this OP then it’s a risk and make sure that the assumptions in the policy does not state that the car has to be registered to you or your spouse etc or owned by you or your spouse or registered to your address.
2. Of course the policy will say all those things, but he isn't going to claim....because he doesn't actually have the car. So it doesn't matter. They will never know, and you're going to cancel the policy after a few weeks anyway.
Most people who are going to buy a car will insure it in advance, from the day they are due to pick it up, so they will break all those rules anyway!
Honestly I don’t think no claims make any real difference.
I had 2 years no claims had a crash which was my fault and got 6 points for speeding in a space of a couple of months. When I came to renew with that company premium was massive but I changed company and my premium was actually less even with 6 points and a claim.
I had 2 years no claims had a crash which was my fault and got 6 points for speeding in a space of a couple of months. When I came to renew with that company premium was massive but I changed company and my premium was actually less even with 6 points and a claim.
keirik said:
the actual saving from maintaining your ncb will be minor compared with the saving made from just being older and having held your licence for a longer time.
Dont worry about it
That's not even the case anymore Dont worry about it
I don't think anything makes a difference anymore tbh.I remember when I first passed my test at 17 everyone told me after 25 things get cheaper and cheaper but for me, it just went up year after year. My last car was a 330ci, the first year I got it I paid £600, on the 3rd year of ownership with my increased NCB and older age I paid close to 1k.
At 28, with 8 years NCB and 11 years of having a licence, they want £800 for a Honda f
king CRV....TwigtheWonderkid said:
1. I have never known an insurer ask for a V5 in a random check, unless you are claiming. If they do, just say "sorry, the purchase never went ahead, please cancel the policy."
2. Of course the policy will say all those things, but he isn't going to claim....because he doesn't actually have the car. So it doesn't matter. They will never know, and you're going to cancel the policy after a few weeks anyway.
Most people who are going to buy a car will insure it in advance, from the day they are due to pick it up, so they will break all those rules anyway!
More Than asked for copies of our V5 and licences just a couple of weeks ago. I've never heard of it before.2. Of course the policy will say all those things, but he isn't going to claim....because he doesn't actually have the car. So it doesn't matter. They will never know, and you're going to cancel the policy after a few weeks anyway.
Most people who are going to buy a car will insure it in advance, from the day they are due to pick it up, so they will break all those rules anyway!
TwigtheWonderkid said:
Go on line and find a Citroen C1 for sale. Preferably from a dealer so it's not being driven on the road. Note the reg number and insure it. After a few weeks, call up and cancel. Pay the time on risk and ask for your new ncb. If you are ultra unlucky and the car is crashed while you have it insured, and the actual driver was uninsured so it ends up with you courtesy of the MID, tell your insurers you changed your mind about buying it and forgot to tell them.
Yes, because committing insurance fraud is the best way to save money.Edited by anonymous-user on Sunday 23 December 13:41
DoodoolTala said:
That's not even the case anymore I don't think anything makes a difference anymore tbh.
I remember when I first passed my test at 17 everyone told me after 25 things get cheaper and cheaper but for me, it just went up year after year. My last car was a 330ci, the first year I got it I paid £600, on the 3rd year of ownership with my increased NCB and older age I paid close to 1k.
At 28, with 8 years NCB and 11 years of having a licence, they want £800 for a Honda fking CRV....
Aye, this! I don't think anything makes a difference anymore tbh.I remember when I first passed my test at 17 everyone told me after 25 things get cheaper and cheaper but for me, it just went up year after year. My last car was a 330ci, the first year I got it I paid £600, on the 3rd year of ownership with my increased NCB and older age I paid close to 1k.
At 28, with 8 years NCB and 11 years of having a licence, they want £800 for a Honda f
king CRV...."When you get to 25" they said. Nah.
"When you get to 30" they said. NAH!
"When you've got at least five years no claims" they said. Pfft!
askew said:
DoodoolTala said:
That's not even the case anymore I don't think anything makes a difference anymore tbh.
I remember when I first passed my test at 17 everyone told me after 25 things get cheaper and cheaper but for me, it just went up year after year. My last car was a 330ci, the first year I got it I paid £600, on the 3rd year of ownership with my increased NCB and older age I paid close to 1k.
At 28, with 8 years NCB and 11 years of having a licence, they want £800 for a Honda fking CRV....
Aye, this! I don't think anything makes a difference anymore tbh.I remember when I first passed my test at 17 everyone told me after 25 things get cheaper and cheaper but for me, it just went up year after year. My last car was a 330ci, the first year I got it I paid £600, on the 3rd year of ownership with my increased NCB and older age I paid close to 1k.
At 28, with 8 years NCB and 11 years of having a licence, they want £800 for a Honda f
king CRV...."When you get to 25" they said. Nah.
"When you get to 30" they said. NAH!
"When you've got at least five years no claims" they said. Pfft!
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