From: GT on 5 Aug 2010 05:06
"FrengaX" <hnkjqrh02(a)sneakemail.com> wrote in message
On Aug 4, 11:28 pm, Harry Bloomfield
> 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
From: Mike P on 5 Aug 2010 05:58
> 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
>>> 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
From: Adrian on 5 Aug 2010 07:58
bod <bodron57(a)tiscali.co.uk> gurgled happily, sounding much like they were
> 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
From: Adrian on 5 Aug 2010 08:00
"Mike P" <privacy(a)privacy.net> gurgled happily, sounding much like they
> 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
> 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
> 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.