Insurance quotes and NCB

[nick_j007]

Hi all,

Looking through some comparison sites for insurance.

I'm 43, and cannot remember the last accident I had, but I'm wondering how much ncb I have as a result? Maybe I should ring my current insurer?

This could be an answer to my own question, but I see my current policy shows 6 yrs ncb.

Do most of you go for legal cover also?

Thanks!

[nick_j007]

nick_j007 said:

Hi all,

Looking through some comparison sites for insurance.

I'm 43, and cannot remember the last accident I had, but I'm wondering how much ncb I have as a result? Maybe I should ring my current insurer?

This could be an answer to my own question, but I see my current policy shows 6 yrs ncb.

Do most of you go for legal cover also?

Thanks!

You guys spoil me with all this information

Ok. 6yrs is my ncb. I was told that once over 5 yrs it barely affects the cost of the insurance.

So what about legal cover...do you take that?

Cheers,

Nick

[nick_j007]

Once again thank you for all the input, much appreciated.

I can get it sorted now.

[Maximum Bobs]

What a brilliant thread. Glad you got it sorted. I personally don't take the legal cover, or any of the other add-ons for that matter, because I always get the impression that they're not worth the paper they're written on, but admittedly I've never had to find out the hard way.

[nick_j007]

Maximum Bobs said:

What a brilliant thread. Glad you got it sorted. I personally don't take the legal cover, or any of the other add-ons for that matter, because I always get the impression that they're not worth the paper they're written on, but admittedly I've never had to find out the hard way.

Lol thanks. I enjoyed it I know I can always depend on the PH crew for great help.

[nick_j007]

Haha thanks. I was just saying this the other day.

[Maximum Bobs]

So what is it that you've done to get your thread ignored by so many people?

[cahami]

One of my policies states that i have 78.8% ncb and that this is the max
Two questions wtf .8% and does anyone have higher ncb ? (that ones with lv)

[diddles]

I will not personally pay for legal cover anymore.

I have used it once in the past to try and recover uninsured losses from a third party. I say that however the company in question were that useless I eventually just did the work myself. 2 months waiting on my legal cover policy to return a result was enough. With a bit of research I had resolved the issue myself within 30 mins of speaking direct with the third parties insurance company.

[redtwin]

Maximum Bobs said:

So what is it that you've done to get your thread ignored by so many people?

He used the "I" word in the title.

I have the absolute basic minimum I need to prevent my car from being seized and crushed. I actually found TPO that was cheaper than TPFT or fully comp. Despite the bare bones cover, driving other cars was still included which surprised me.

[J4CKO]

Does the No claims mean that the policy costs 21.5% less than it ordinarily wood if starting from scratch with the same criteria ?

[U T]

J4CKO said:

Does the No claims mean that the policy costs 21.5% less than it ordinarily wood if starting from scratch with the same criteria ?

A policy costing £1000 without ncb will cost £350 with 65% (more or less, the 6% insurance premium tax gets added to both figures at the end.)

[nick_j007]

redtwin said:

He used the "I" word in the title.

I have the absolute basic minimum I need to prevent my car from being seized and crushed. I actually found TPO that was cheaper than TPFT or fully comp. Despite the bare bones cover, driving other cars was still included which surprised me.

Looking back I think that's the reason

[nick_j007]

Whilst we're at it, who takes windscreen cover?

[Maximum Bobs]

nick_j007 said:

Whilst we're at it, who takes windscreen cover?

I don't with my daily vehicle, I bought a new screen for it recently & it was only £114 with the VAT so there's really no point for cover.

[Snowboy]

I have about 20 years NCB, although most insurers only seem to record 10 or 11, and my last insurer recorded it as M for maximum.


Using the NCB discount on the insurance is a bit of black art.
Even if they say it's 70% discount they may apply this at any point.
It may be 70% off the basic premium before deducting the bonus for having the car garaged or adding on the cost of the additional driver or taking into account the aftermarket alloy wheels.

The only thing to be sure of is that all else being equal, 10 years NCB should give you a cheaper premium than 3 years NCB.

[nick_j007]

I thank you.