NCB insurance -a PHEW and a rant.
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From: Man at B&Q on 5 Aug 2010 09:12 On Aug 5, 10:06 am, "GT" <a...(a)b.c> wrote: > "FrengaX" <hnkjqr...(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, Incorrect. They can still make a charge, even if you have cancelled the card and the card processor will chase you for it. MBQ
From: boltar2003 on 5 Aug 2010 09:36 On Thu, 5 Aug 2010 06:12:20 -0700 (PDT) "Man at B&Q" <manatbandq(a)hotmail.com> wrote: >> They use your credit card details that you used last time - its not a DD!= > If >> the card has expired, then you're OK, > >Incorrect. They can still make a charge, even if you have cancelled >the card and the card processor will chase you for it. Sadly true. Which of course begs the question of whats the point of cancelling a card account if its details can still be used? I wonder if anyone has tried taking this sort of situation to court - they cancel a card but someone puts a large bill on it and card company demands payment. B2003
From: bod on 5 Aug 2010 10:33 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. > > Agreed, but always worth checking out. Bod
From: GT on 5 Aug 2010 10:43 "Man at B&Q" <manatbandq(a)hotmail.com> wrote in message news:54743f7e-6ce0-4b1e-bbb6-dd84f808496d(a)l14g2000yql.googlegroups.com... On Aug 5, 10:06 am, "GT" <a...(a)b.c> wrote: > "FrengaX" <hnkjqr...(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, Incorrect. They can still make a charge, even if you have cancelled the card and the card processor will chase you for it. Companies that payments over the phone or internet use 'customer not present' transactions. If I cancel a credit card, are you saying it can still be used for these 'customer not present' transactions and I will still be billed - that doesn't sound right? Online shopping for example?
From: NM on 5 Aug 2010 10:57
On 5 Aug, 10:06, "GT" <a...(a)b.c> wrote: > "FrengaX" <hnkjqr...(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!). That was tried on me so I called the CC company and told them the card was stolen, cancelled instantly and new card with different number issued within 24 hours. |