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From: bod on 5 Aug 2010 03:42 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 5 Aug 2010 04:04 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 5 Aug 2010 04:10 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 5 Aug 2010 04:12 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 5 Aug 2010 04:30
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 |