insurance quotes
Discussion
say you have three cars, on three different policies, wife a policyholder on one, not multicar, different insurers infact, just the way it worked out with cheapest quotes etc....
on two policies you have not made a claim in the last 6 years! on one you have, both drivers x1 each.
when you change car on the claimless policy, and get a re-quote, for claim history is it zero as it pertains to this policy, providing the use is going to be like for like for the new car...
on two policies you have not made a claim in the last 6 years! on one you have, both drivers x1 each.
when you change car on the claimless policy, and get a re-quote, for claim history is it zero as it pertains to this policy, providing the use is going to be like for like for the new car...
Edited by 70proof on Tuesday 27th May 22:09
70proof said:
say you have three cars, on three different policies, wife a policyholder on one, not multicar, different insurers infact, just the way it worked out with cheapest quotes etc....
on two policies you have not made a claim in the last 6 years! on one you have, both drivers x1 each.
when you change car on the claimless policy, and get a re-quote, for claim history is it zero as it pertains to this policy, providing the use is going to be like for like for the new car...
Seriously? you think that because one particular policy has not been claimed on you retain your NCB on that policy?on two policies you have not made a claim in the last 6 years! on one you have, both drivers x1 each.
when you change car on the claimless policy, and get a re-quote, for claim history is it zero as it pertains to this policy, providing the use is going to be like for like for the new car...
NCB applies to the policyholder. You still need to inform the insurer if you have had any claims (as it's a change in circumstances).
70proof said:
i get that, but on this policy you have not and your no claims discount reflects this...
Yes, which is why you get to keep the NCD on that policy. You still have to tell them about all the accidents that you've had and claims that you've made though, assuming that's what the question asks (it nearly always does).calibrax said:
Seriously? you think that because one particular policy has not been claimed on you retain your NCB on that policy?
Yes, that's exactly how NCB works.You still have to declare claims on all your policies though, whether or not they affected the NCB on that particular policy.
70proof said:
littleredrooster said:
The question on the proposal form asks 'have YOU made ANY claims in the past five years?'
And your answer will have to be...and your partners answer will also be...?
i get that, but on this policy you have not and your no claims discount reflects this...And your answer will have to be...and your partners answer will also be...?
littleredrooster said:
70proof said:
littleredrooster said:
The question on the proposal form asks 'have YOU made ANY claims in the past five years?'
And your answer will have to be...and your partners answer will also be...?
i get that, but on this policy you have not and your no claims discount reflects this...And your answer will have to be...and your partners answer will also be...?
tter parked on the road.... Edited by 70proof on Wednesday 28th May 20:16
jimbop1 said:
....?
one policy is via work on a lease car, and they know everything. the other two policies are held by Aviva, not multicar, and obviously they know everything...... so I've not hidden anything from anyone....what I want to do is shop around for a comparison price on one of the cars, with which I have collected 12years NCD with no claims on that policy ever! so, my question pertains to filling in the quote generator
It matters not when, where, how or against whom you claimed. You have claimed against a policy within the last five years. Therefore you have to declare this on all applications, it doesn't matter which car or which policy it is.
I struggle to grasp why you can't understand the simple question posed on the proposal form. The insurer will typically ask "Have you had any accidents, claims or convictions in the past five years?" In the American parlance, there's no 'wiggle-room' in that question; you either have or have not!
I struggle to grasp why you can't understand the simple question posed on the proposal form. The insurer will typically ask "Have you had any accidents, claims or convictions in the past five years?" In the American parlance, there's no 'wiggle-room' in that question; you either have or have not!
How complicated are you all making this?
If you make a claim on any motor policy at all, then you have to declare it at renewal on all motor policies that you have.
NCD will only be affected on the policy on which the claim was made (assuming it isn't protected)
As an example. I have 4 motorbikes, two cars and a van. If I crash the van, I have to declare the claim when renewing the bikes and car, but the NCD on these policies will be as before plus a further year.
If you make a claim on any motor policy at all, then you have to declare it at renewal on all motor policies that you have.
NCD will only be affected on the policy on which the claim was made (assuming it isn't protected)
As an example. I have 4 motorbikes, two cars and a van. If I crash the van, I have to declare the claim when renewing the bikes and car, but the NCD on these policies will be as before plus a further year.
Snowboy said:
AFAIK, you keep the NCB on that policy, but you still need to inform them about the claim on the other policy.
Your personal claim history and the policy claim history are two separate things.
Indeed, my wife is 24 years claim and conviction free, with full protected NCB on one car, and 2 years NCB on the other, Your personal claim history and the policy claim history are two separate things.
I however am 4 years claim free, and 3 years conviction free, with full protected NCB on one car.
I'm getting quote for my son, (a 21st birthday surprise where his granddad gives up driving and gives him a low mileage astra), with me and the misses as named drivers, and his own lack of NCB (passed test in 2010, has had insurance for total of about 20 months as a named driver, on one or other of our cars).
I just have to answer the question "has this driver made a claim in the last X years"
Seems another 'ask a question, don't hear the answer you want, so argue....'
If the OPs insurance thing was true for the logic given, you might as well not declare speeding points if incurred driving a different car because 'that car was my hooning around weekend car but I drive this one sensibly in the week'. Or if you have an accident and wrote off the car then you don't need to declare it because you're insuring a different car. The logic is pretty easy to comprehend, as is the question on the insurance form
If the OPs insurance thing was true for the logic given, you might as well not declare speeding points if incurred driving a different car because 'that car was my hooning around weekend car but I drive this one sensibly in the week'. Or if you have an accident and wrote off the car then you don't need to declare it because you're insuring a different car. The logic is pretty easy to comprehend, as is the question on the insurance form
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