From: bod on
Ret. wrote:
> Harry Bloomfield wrote:
>> A week or so ago I decided RAC's increasing insurance renewal cost and
>> their statement in the small print of the renewal - that they would
>> renew it anyway from my provided CC details, was the last straw. So I
>> started shopping around and got myself a much better quote. Much
>> cheaper and it covered for more.
>
>> Shouldn't NCB be a figure which follows you from one insurer to
>> another, irrespective of how the individual insurer works their NCB
>> and be the TOTAL number of years during which you have made no claim?
>
> All the information that they are asking you for should also be easily
> available to them from the MIB.
>
> Yesterday I phoned my insurance company because my wife and I were
> considering buying a small runabout for local motoring. She had seen a
> 55 plate Kia Picanto auto that she quite fancied (she wont drive the
> Rover 75 - she says it's too big).
>
> My FC premium last November for the Rover was �237. They first of all
> quoted me �686 for the Picanto! That turned out to be because an
> accident last August when a biker ran into the back of me had been
> wrongly recorded as an 'at fault' claim.
>
> Once that had been sorted and corrected to a 'no fault' claim, the quote
> came down to �273. I pointed out that this was higher than the premium
> for my Rover 75. They said that this was because I had not yet earned
> the full NCB on the 'second car'!!
>
> I argued that surely it was 'me' who had earned the NCB - and that
> should be irrespective of what car I was driving. "That's not the way it
> works" was the reply... (Still can't quite work that out...)
>
>

Kev, could you tell me the name of your insurer please? I've just
renewed and mine was far higher than yours. I have full no claims etc.
Or if you prefer, you can email me with the name.
Thanks in advance.

Bod
From: Man at B&Q on
On Aug 5, 8:34 am, "Ret." <x...(a)gmail.com> wrote:
> Harry Bloomfield wrote:
> > A week or so ago I decided RAC's increasing insurance renewal cost and
> > their statement in the small print of the renewal - that they would
> > renew it anyway from my provided CC details, was the last straw. So I
> > started shopping around and got myself a much better quote. Much
> > cheaper and it covered for more.
> > Shouldn't NCB be a figure which follows you from one insurer to
> > another, irrespective of how the individual insurer works their NCB
> > and be the TOTAL number of years during which you have made no claim?
>
> All the information that they are asking you for should also be easily
> available to them from the MIB.
>
> Yesterday I phoned my insurance company because my wife and I were
> considering buying a small runabout for local motoring. She had seen a 55
> plate Kia Picanto auto that she quite fancied (she wont drive the Rover 75 -
> she says it's too big).
>
> My FC premium last November for the Rover was £237. They first of all quoted
> me £686 for the Picanto! That turned out to be because an accident last
> August when a biker ran into the back of me had been wrongly recorded as an
> 'at fault' claim.
>
> Once that had been sorted and corrected to a 'no fault' claim, the quote
> came down to £273.  I pointed out that this was higher than the premium for
> my Rover 75. They said that this was because I had not yet earned the full
> NCB on the 'second car'!!
>
> I argued that surely it was 'me' who had earned the NCB - and that should be
> irrespective of what car I was driving. "That's not the way it works" was
> the reply... (Still can't quite work that out...)

At one time I was told by an insuranse company that you can only use
NCB on one policy for one car. I have always, however, asserted full
NCB on both cars and never had a problem. With Admiral multi-car they
don't bat an eyelid.

MBQ

From: Ret. on
bod wrote:
> Ret. wrote:
>> Harry Bloomfield wrote:
>>> A week or so ago I decided RAC's increasing insurance renewal cost
>>> and their statement in the small print of the renewal - that they
>>> would renew it anyway from my provided CC details, was the last
>>> straw. So I started shopping around and got myself a much better
>>> quote. Much cheaper and it covered for more.
>>
>>> Shouldn't NCB be a figure which follows you from one insurer to
>>> another, irrespective of how the individual insurer works their NCB
>>> and be the TOTAL number of years during which you have made no
>>> claim?
>>
>> All the information that they are asking you for should also be
>> easily available to them from the MIB.
>>
>> Yesterday I phoned my insurance company because my wife and I were
>> considering buying a small runabout for local motoring. She had seen
>> a 55 plate Kia Picanto auto that she quite fancied (she wont drive
>> the Rover 75 - she says it's too big).
>>
>> My FC premium last November for the Rover was �237. They first of all
>> quoted me �686 for the Picanto! That turned out to be because an
>> accident last August when a biker ran into the back of me had been
>> wrongly recorded as an 'at fault' claim.
>>
>> Once that had been sorted and corrected to a 'no fault' claim, the
>> quote came down to �273. I pointed out that this was higher than
>> the premium for my Rover 75. They said that this was because I had
>> not yet earned the full NCB on the 'second car'!!
>>
>> I argued that surely it was 'me' who had earned the NCB - and that
>> should be irrespective of what car I was driving. "That's not the
>> way it works" was the reply... (Still can't quite work that out...)
>>
>>
>
> Kev, could you tell me the name of your insurer please? I've just
> renewed and mine was far higher than yours. I have full no claims etc.
> Or if you prefer, you can email me with the name.
> Thanks in advance.

My actual insurer is Zurich - but I insure through '50plus' and for the past
several years have been unable to beat the quotes they come up with:

http://www.50plusinsurance.co.uk/

--
Kev

From: Ret. on
Man at B&Q wrote:
> On Aug 5, 8:34 am, "Ret." <x...(a)gmail.com> wrote:
>> Harry Bloomfield wrote:
>>> A week or so ago I decided RAC's increasing insurance renewal cost
>>> and their statement in the small print of the renewal - that they
>>> would renew it anyway from my provided CC details, was the last
>>> straw. So I started shopping around and got myself a much better
>>> quote. Much cheaper and it covered for more.
>>> Shouldn't NCB be a figure which follows you from one insurer to
>>> another, irrespective of how the individual insurer works their NCB
>>> and be the TOTAL number of years during which you have made no
>>> claim?
>>
>> All the information that they are asking you for should also be
>> easily available to them from the MIB.
>>
>> Yesterday I phoned my insurance company because my wife and I were
>> considering buying a small runabout for local motoring. She had seen
>> a 55 plate Kia Picanto auto that she quite fancied (she wont drive
>> the Rover 75 - she says it's too big).
>>
>> My FC premium last November for the Rover was �237. They first of
>> all quoted me �686 for the Picanto! That turned out to be because an
>> accident last August when a biker ran into the back of me had been
>> wrongly recorded as an 'at fault' claim.
>>
>> Once that had been sorted and corrected to a 'no fault' claim, the
>> quote came down to �273. I pointed out that this was higher than the
>> premium for my Rover 75. They said that this was because I had not
>> yet earned the full NCB on the 'second car'!!
>>
>> I argued that surely it was 'me' who had earned the NCB - and that
>> should be irrespective of what car I was driving. "That's not the
>> way it works" was the reply... (Still can't quite work that out...)
>
> At one time I was told by an insuranse company that you can only use
> NCB on one policy for one car. I have always, however, asserted full
> NCB on both cars and never had a problem. With Admiral multi-car they
> don't bat an eyelid.

Yes - it seems very strange to me - particularly when you are insuring
through the same broker.

--
Kev

From: bod on
Ret. wrote:
> bod wrote:
>> Ret. wrote:
>>> Harry Bloomfield wrote:
>>>> A week or so ago I decided RAC's increasing insurance renewal cost
>>>> and their statement in the small print of the renewal - that they
>>>> would renew it anyway from my provided CC details, was the last
>>>> straw. So I started shopping around and got myself a much better
>>>> quote. Much cheaper and it covered for more.
>>>
>>>> Shouldn't NCB be a figure which follows you from one insurer to
>>>> another, irrespective of how the individual insurer works their NCB
>>>> and be the TOTAL number of years during which you have made no
>>>> claim?
>>>
>>> All the information that they are asking you for should also be
>>> easily available to them from the MIB.
>>>
>>> Yesterday I phoned my insurance company because my wife and I were
>>> considering buying a small runabout for local motoring. She had seen
>>> a 55 plate Kia Picanto auto that she quite fancied (she wont drive
>>> the Rover 75 - she says it's too big).
>>>
>>> My FC premium last November for the Rover was �237. They first of all
>>> quoted me �686 for the Picanto! That turned out to be because an
>>> accident last August when a biker ran into the back of me had been
>>> wrongly recorded as an 'at fault' claim.
>>>
>>> Once that had been sorted and corrected to a 'no fault' claim, the
>>> quote came down to �273. I pointed out that this was higher than
>>> the premium for my Rover 75. They said that this was because I had
>>> not yet earned the full NCB on the 'second car'!!
>>>
>>> I argued that surely it was 'me' who had earned the NCB - and that
>>> should be irrespective of what car I was driving. "That's not the
>>> way it works" was the reply... (Still can't quite work that out...)
>>>
>>>
>>
>> Kev, could you tell me the name of your insurer please? I've just
>> renewed and mine was far higher than yours. I have full no claims etc.
>> Or if you prefer, you can email me with the name.
>> Thanks in advance.
>
> My actual insurer is Zurich - but I insure through '50plus' and for the
> past several years have been unable to beat the quotes they come up with:
>
> http://www.50plusinsurance.co.uk/
>
>

Thanks Kev, I'll give them a call next year.

Bod
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