Insurance NCB farce

[citychap26]

Hi All,

Having a mare with getting insurance sorted on cars as Hagerty will not longer cover my 2004 car.

Here's the story. Was with Elephant from 2000 - 2006, however Hagerty do not care about NCB. They are willing to give me a letter stating no claims in 4 years 2006 - 2010.

Went to Admiral to get a quote for multi car (they are owned by same company who own Elephant), however they are not willing to accept that I have 10 years NCB. They will honour 5 years.

I have asked for a letter from both companies showing that I have been claim free since 2000.

Any ideas on what to do? Tired a few specialist companies but getting mental quotes.

Cheers

Sunil

[Soovy]

Go through Chubb or Zurich Private Clients.

5 years in max anyway

[Deva Link]

Soovy said:

Go through Chubb or Zurich Private Clients.

He's already had "mental" quotes.

Soovy said:

5 years in max anyway

I was thinking that - how much are Admiral saying the difference in the premium would be?

[citychap26]

for 3 cars Admiral will do £1700 and will honour me 5 years NCB.

[Soovy]

citychap26 said:

for 3 cars Admiral will do £1700 and will honour me 5 years NCB.

You'd get better than that from Chubb.

Call Quantum plc and ask for James

[Deva Link]

Or try Primo - they seem to be having a bit of a push in various places.
http://www.primoplc.com/Personal-Insurance/Multi-V...

[Grey Ghost]

citychap26 said:

for 3 cars Admiral will do £1700 and will honour me 5 years NCB.

FFS stop whinging and pay the money, this is the second thread you have started on this subject. You are looking to insure 3 Porsches (yes readers that is right 3 of them) and you are moaning about the cost being £1700 to cover all of them fully comp for a year

Caveat emptor and all that but just get on with it :nomuppetsmiliethen:

[Soovy]

Grey Ghost said:

citychap26 said:

for 3 cars Admiral will do £1700 and will honour me 5 years NCB.

FFS stop whinging and pay the money, this is the second thread you have started on this subject. You are looking to insure 3 Porsches (yes readers that is right 3 of them) and you are moaning about the cost being £1700 to cover all of them fully comp for a year

Caveat emptor and all that but just get on with it :nomuppetsmiliethen:

To be fair, it needed saying.

[Doofus]

Why do people assume they have a right to an NCB? It's not a legal entitlement, it's a sales gimmick invented by insurance companies. They're not obliged to honour somebody elses, and they're not obliged to give you any themselves.

This seems to come up a lot on here. NCB is not a right, even if you've 'earned' it!

Edited by Doofus on Friday 9th July 17:18

[Deva Link]

Grey Ghost said:

....this is the second thread you have started on this subject.

Hmmm...he also seems to start a lot of theads in the wrong forum.

[mcflurry]

The difference between 5 years no claims and 10 is how much?

[Soovy]

mcflurry said:

The difference between 5 years no claims and 10 is how much?

Nothing. Not a cent.

I've got 12 years and the certificate from Zurich Premier says "5 years - maximum"

[gamefreaks]

Doofus said:

Why do people assume they have a right to an NCB? It's not a legal entitlement, it's a sales gimmick invented by insurance companies. They're not obliged to honour somebody elses, and they're not obliged to give you any themselves.

This seems to come up a lot on here. NCB is not a right, even if you've 'earned' it!

Edited by Doofus on Friday 9th July 17:18

Yes it is.

In the same way as insurance companies have the 'right' to label me as a spanner beacuse I'm 26, have a penis and their spreadsheet says I won't be able to pass a bus stop without ploughing into it, I have the 'right' to refute that claim with my NCB.

I can't for the life of me understand why NCB isn't just linked to the driver period. At the end of the day, if you haven't made a claim in x years, then you haven't made a claim in x years. The details of the policies in force at the time are immaterial.

Edited by gamefreaks on Friday 9th July 18:06

[Doofus]

gamefreaks said:

Yes it is.

In the same way as insurance companies have the 'right' to label me as a spanner beacuse I'm 26, have a penis and their spreadsheet says I won't be able to pass a bus stop without ploughing into it, I have the 'right' to refute that claim with my NCB.

I can't for the life of me understand why NCB isn't just linked to the driver period. At the end of the day, if you haven't made a claim in x years, then you haven't made a claim in x years. The details of the policies in force at the time are immaterial.

The point is that the fact that you haven't had an accident in x years doesn't entitle you to a discount on your premium. Your insurer will probably give you one, because he wants your business. Equally, so will a competitor, but you can't get do much if an insurer fails to recognise your NCB because it doesn't actually exist.

[Soovy]

gamefreaks said:

Doofus said:

Why do people assume they have a right to an NCB? It's not a legal entitlement, it's a sales gimmick invented by insurance companies. They're not obliged to honour somebody elses, and they're not obliged to give you any themselves.

This seems to come up a lot on here. NCB is not a right, even if you've 'earned' it!

Edited by Doofus on Friday 9th July 17:18

Yes it is.

In the same way as insurance companies have the 'right' to label me as a spanner beacuse I'm 26, have a penis and their spreadsheet says I won't be able to pass a bus stop without ploughing into it, I have the 'right' to refute that claim with my NCB.

I can't for the life of me understand why NCB isn't just linked to the driver period. At the end of the day, if you haven't made a claim in x years, then you haven't made a claim in x years. The details of the policies in force at the time are immaterial.

Edited by gamefreaks on Friday 9th July 18:06

Sorry, but this is cobblers.

They have the right to set the rules. They are offering the insurance.

You're not "entitled" to ANY NCB. They give it to you as a marketing tool.


Jesus!

[Deva Link]

Soovy said:

You're not "entitled" to ANY NCB. They give it to you as a marketing tool.

...but, within the normal limits, it's universally offered, and universally accepted between insurance companies. So as a marketing tool it's a bit pointless.

[citychap26]

Oi gents chill out.... I am just trying to get a deal. Why shouldn't I ?

The difference between 5 years and 10 years NCB with Admiral is actually 400 quid or there abouts.

Also the best quote I can secure on my Turbo is just under a grand, there are others on the Porsche forum that are quoted £400 quid from the same conpany. Yes I live in ste Croydon, however I do not think it deserves that much of a loading seeing that I have not claimed in well over 10 years. Nuff said.