NCB insurance -a PHEW and a rant.
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From: GT on 5 Aug 2010 05:06 "FrengaX" <hnkjqrh02(a)sneakemail.com> wrote in message news:50163d77-642a-41ee-917d-ab31c1d87e73(a)k19g2000yqc.googlegroups.com... On Aug 4, 11:28 pm, Harry Bloomfield <harry.m1...(a)NOSPAM.tiscali.co.uk> 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. > > A very long and detailed form to fill in and one of the questions was > how many years NCB - naturally, never having had a claim on my policy > in 45 years, I choose the highest number offered of 9 years. > > Then read after agreeing to it and paying for it that they required > proof. I have never been asked for proof before and was at a loss, so > rang them and they advised contacting my old insurer and asking them to > send me proof of the 9 years. > > I had the day before cleaned out my files of old documents for > insurance and really had not much idea who I had been with prior to > RAC, or how long I had been with them. > > I asked SWMBO if the documents had been shredded, they hadn't and I > asked her to try to recover them - but fairly sure none mentioned years > of NCB. Since when I have been in a bit of a tiz, rather than wading > through the docs I have been too busy sorting other problems out. > > I finally got around to wading through all the pile of documents this > evening and my final reminder from RAC just happens to mention I have 9 > years NCB - PHEW the proof I needed. > > Isn't the whole system of NCB a complete mess? > > 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? > > Don't you just wish the online compares gave you cost comparisons for > the various options, like TPF&T versus FC - so you could decide which > was your best option? I often find FC is cheaper for me than TPF&T. > > Now to check whether RAC renewed my insurance against my specific > instruction not too.... Cancel the DD. That way, they can't renew it. They use your credit card details that you used last time - its not a DD! If the card has expired, then you're OK, otherwise they just take it. If it were a DD and you cancelled it, then you are breaking a contract and they will charge you for the failed DD as well as the renewal amount (been there!).
From: Mike P on 5 Aug 2010 05:58 Ret. wrote: > 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. I use More Than, and they give me the same NCD for my 2nd car as for the 1st car.. -- Mike P
From: Adrian on 5 Aug 2010 07:58 bod <bodron57(a)tiscali.co.uk> gurgled happily, sounding much like they were saying: > 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. There's a whole bunch of factors affect insurance premiums - not least of which is your home address. Kev's will be a considerably lower risk area than yours.
From: Adrian on 5 Aug 2010 08:00 "Mike P" <privacy(a)privacy.net> gurgled happily, sounding much like they were saying: > I use More Than, and they give me the same NCD for my 2nd car as for the > 1st car.. Yes, but that's just a marketing incentive. NCD is usually calculated on a valid-for-one-policy basis - always has been. Don't forget that it "expires" if you go for a couple of years without a policy, too.
From: Ret. on 5 Aug 2010 08:00
Adrian wrote: > bod <bodron57(a)tiscali.co.uk> gurgled happily, sounding much like they > were saying: > >> 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. > > There's a whole bunch of factors affect insurance premiums - not > least of which is your home address. Kev's will be a considerably > lower risk area than yours. That's true. Although my sister-in-law who lives in Northants was astonished at the low premium she got from 50plus when I recommended them to her. I have no idea whether Northants is a high or low premium area however. -- Kev |