Car insurance NCB - how many years?
Discussion
i am taking out a new car insurance policy and for NCB i have put that I have 15+ years.
The new insurer says that they may ask for proof but may not. So I have gone to my current insurer (who won't insure me on my replacement car so I can't continue with them) and their policies go up to a maximum of 9+ years NCB and thats what the proof of NCB will be issued with.
I contacted the new insurer to ask what to do and they have said they they can't advise on this and that NCB proof may or may not be requested once the new policy is taken out.
The cost difference on the new policy using 9 years vs 15 years is around £80 for the year...
Do I just put 9 years from now on?
The new insurer says that they may ask for proof but may not. So I have gone to my current insurer (who won't insure me on my replacement car so I can't continue with them) and their policies go up to a maximum of 9+ years NCB and thats what the proof of NCB will be issued with.
I contacted the new insurer to ask what to do and they have said they they can't advise on this and that NCB proof may or may not be requested once the new policy is taken out.
The cost difference on the new policy using 9 years vs 15 years is around £80 for the year...
Do I just put 9 years from now on?
Nemophilist said:
i am taking out a new car insurance policy and for NCB i have put that I have 15+ years.
The new insurer says that they may ask for proof but may not. So I have gone to my current insurer (who won't insure me on my replacement car so I can't continue with them) and their policies go up to a maximum of 9+ years NCB and thats what the proof of NCB will be issued with.
I contacted the new insurer to ask what to do and they have said they they can't advise on this and that NCB proof may or may not be requested once the new policy is taken out.
The cost difference on the new policy using 9 years vs 15 years is around £80 for the year...
Do I just put 9 years from now on?
That's interesting. Having had insurances with many companies over the last 60+yrs,The new insurer says that they may ask for proof but may not. So I have gone to my current insurer (who won't insure me on my replacement car so I can't continue with them) and their policies go up to a maximum of 9+ years NCB and thats what the proof of NCB will be issued with.
I contacted the new insurer to ask what to do and they have said they they can't advise on this and that NCB proof may or may not be requested once the new policy is taken out.
The cost difference on the new policy using 9 years vs 15 years is around £80 for the year...
Do I just put 9 years from now on?
I do not recall any company giving more than 9 yrs worth of NCB, however many years are actually held.
Wondering what others experiences have been.
IME I have come across that many that only go to 9 & some that go to 15.
I always state what I have actually accrued & I keep each insurance certificate & renewal letter each year for proof.
It sounds ridiculous but in reality is only about 30 sheets of paper.
One of the many cases where I follow the theory "rather be looking at it than for it".
I always state what I have actually accrued & I keep each insurance certificate & renewal letter each year for proof.
It sounds ridiculous but in reality is only about 30 sheets of paper.
One of the many cases where I follow the theory "rather be looking at it than for it".
The whole NCB thing is a bit of a sham or scam depending which way you look at it.
I'm with a decent broker so just tell them what I want and they sort it.
If I insure a car elsewhere I keep a log of who I've been insured with and electronic copies of the end of year NCB for each policy. It works great until you get one company that can't reflect a simple number so you end up with Insurance company X giving +1 year, shows 9 but totals 12.
I'm with a decent broker so just tell them what I want and they sort it.
If I insure a car elsewhere I keep a log of who I've been insured with and electronic copies of the end of year NCB for each policy. It works great until you get one company that can't reflect a simple number so you end up with Insurance company X giving +1 year, shows 9 but totals 12.
I've never had a renewal notice/NCD proof showing more than 9 years. Didn't know some insurers gave up to 15!
I have more than that on both my cars but couldn't prove it as I seem to end up changing insurer most years because they all seem to be unable to be competitive for more than one year.
I have more than that on both my cars but couldn't prove it as I seem to end up changing insurer most years because they all seem to be unable to be competitive for more than one year.
I’ve had more than one insurer tell me that it only “counts” for up to 9. I’ve asked them to record how much I actually have, though, on the basis that other insurers I might use in the future might record the full amount.
I’d put down whatever you can prove. +1 year if it’s from your last renewal and you haven’t made a claim.
I’d put down whatever you can prove. +1 year if it’s from your last renewal and you haven’t made a claim.
Try quoting with Nil ncb. I had to as I bought a second car. The ncd made zero difference to the price.
Your claim history is relevant. As you age from what I can see you declared ncd makes no difference at all.
For younger drivers it make make a difference.
I am 60. Turbo s with no ncd £1000. Cayenne base with full ncd £1200. Turbo s is newer and three times the value. Go figure because I can't !
Your claim history is relevant. As you age from what I can see you declared ncd makes no difference at all.
For younger drivers it make make a difference.
I am 60. Turbo s with no ncd £1000. Cayenne base with full ncd £1200. Turbo s is newer and three times the value. Go figure because I can't !
I can't understand that. I'm over 60 and ever since there's been online quoting (20 yrs plus ?), it has always made a difference for me.
The only time it doesn't if when you access the quote, it's a classic or specialist policy that doesn't use or provide NCD. Was it one of those? My 42 year old motorcycle for example makes no difference but its double on a 3 year-old one without 9 yrs NCD. You're not getting a quote on the same vehicle with or without it.
Similarly on cars, it is ALWAYS cheaper NCD, whatmt would be the point of ir otherwise? There are many other factors but if everything else is the same, NCD does make a difference for me.
The only time it doesn't if when you access the quote, it's a classic or specialist policy that doesn't use or provide NCD. Was it one of those? My 42 year old motorcycle for example makes no difference but its double on a 3 year-old one without 9 yrs NCD. You're not getting a quote on the same vehicle with or without it.
Similarly on cars, it is ALWAYS cheaper NCD, whatmt would be the point of ir otherwise? There are many other factors but if everything else is the same, NCD does make a difference for me.
Jeremy-75qq8 said:
Try quoting with Nil ncb. I had to as I bought a second car. The ncd made zero difference to the price.
Your claim history is relevant. As you age from what I can see you declared ncd makes no difference at all.
For younger drivers it make make a difference.
I am 60. Turbo s with no ncd £1000. Cayenne base with full ncd £1200. Turbo s is newer and three times the value. Go figure because I can't !
I ve not had my own policy for years, my wife is main driver of our family car so I’m just named driver. When I bought my own car last year I was expecting to be hit, but the premiums are all perfectly reasonable as far as I m concerned, even though I ve said I have no history of NCB.Your claim history is relevant. As you age from what I can see you declared ncd makes no difference at all.
For younger drivers it make make a difference.
I am 60. Turbo s with no ncd £1000. Cayenne base with full ncd £1200. Turbo s is newer and three times the value. Go figure because I can't !
Jeremy-75qq8 said:
Try quoting with Nil ncb. I had to as I bought a second car. The ncd made zero difference to the price.
Your claim history is relevant. As you age from what I can see you declared ncd makes no difference at all.
For younger drivers it make make a difference.
I am 60. Turbo s with no ncd £1000. Cayenne base with full ncd £1200. Turbo s is newer and three times the value. Go figure because I can't !
Not difficult to figure out. Insurance company has had more claims for Cayennes than Turbos S’s. Your claim history is relevant. As you age from what I can see you declared ncd makes no difference at all.
For younger drivers it make make a difference.
I am 60. Turbo s with no ncd £1000. Cayenne base with full ncd £1200. Turbo s is newer and three times the value. Go figure because I can't !
You’re right about NCD not making much difference as you get older though. It stops being a discount anyway around 5 years and just becomes another year without a claim though. Unless people do maths like Donald Trump and expect a 200 or 300% discount
Sargeant Orange said:
NCD has made an insignificant difference to the cost of my last 6 or so policies. Only really found out when taking brand new cover on a stop gap car. It makes the whole "protecting NCD" pointless.
Mine was asking for £1100 without any NCD, or £400 if I transferred my NCD from a car that I might be able to switch to a classic policy.The other car was £600 without, or £240 with.
mmm-five said:
Mine was asking for £1100 without any NCD, or £400 if I transferred my NCD from a car that I might be able to switch to a classic policy.
The other car was £600 without, or £240 with.
Risky job, car, postcode or lots of points?The other car was £600 without, or £240 with.
I’m like others and nearing 60, NCD does very little to my quotes for a sensible car.
Opapayer said:
Risky job, car, postcode or lots of points?
I m like others and nearing 60, NCD does very little to my quotes for a sensible car.
I m like others and nearing 60, NCD does very little to my quotes for a sensible car.
- 56 years old
- Liverpool postcode, parked on street
- SDPC+business use
- 30k miles a year (split unevenly between the 2 cars)
- Project Management roles all over the country/continent
- 3 points (expire in August)
Second car is a 10 year old, unmodified BMW 335xD Touring
mmm-five said:
- 56 years old
- Liverpool postcode, parked on street
- SDPC+business use
- 30k miles a year (split unevenly between the 2 cars)
- Project Management roles all over the country/continent
- 3 points (expire in August)
Second car is a 10 year old, unmodified BMW 335xD Touring
sixor8 said:
I can't understand that. I'm over 60 and ever since there's been online quoting (20 yrs plus ?), it has always made a difference for me.
The only time it doesn't if when you access the quote, it's a classic or specialist policy that doesn't use or provide NCD. Was it one of those? My 42 year old motorcycle for example makes no difference but its double on a 3 year-old one without 9 yrs NCD. You're not getting a quote on the same vehicle with or without it.
Similarly on cars, it is ALWAYS cheaper NCD, whatmt would be the point of ir otherwise? There are many other factors but if everything else is the same, NCD does make a difference for me.
No both cars are with admiral on multicar. The only time it doesn't if when you access the quote, it's a classic or specialist policy that doesn't use or provide NCD. Was it one of those? My 42 year old motorcycle for example makes no difference but its double on a 3 year-old one without 9 yrs NCD. You're not getting a quote on the same vehicle with or without it.
Similarly on cars, it is ALWAYS cheaper NCD, whatmt would be the point of ir otherwise? There are many other factors but if everything else is the same, NCD does make a difference for me.
I just renewed motorcycle insurance with a new company.
Very helpful & quick to answer the phone. They already seemed to know everything about me, make/model of bike, license details etc, yet they insisted on proof of NCB from previous insurers, who are a right pain to deal with: foreign call centres that put you on hold for eons etc.
Given the information apparently available to insurers from the database(s), I am amazed that proof of NCB is a requirement.
Very helpful & quick to answer the phone. They already seemed to know everything about me, make/model of bike, license details etc, yet they insisted on proof of NCB from previous insurers, who are a right pain to deal with: foreign call centres that put you on hold for eons etc.
Given the information apparently available to insurers from the database(s), I am amazed that proof of NCB is a requirement.
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