NCB insurance -a PHEW and a rant.
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From: Harry Bloomfield on 5 Aug 2010 12:45 It happens that NM formulated : > 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. I wonder what might happen if one year I used someone else's card to renew, as I did a few years ago when I had a problem with my own card, would they continue to use their card details for subsequent years? -- Regards, Harry (M1BYT) (L) http://www.ukradioamateur.co.uk
From: Harry Bloomfield on 5 Aug 2010 12:52 Ret. explained on 05/08/2010 : > My FC premium last November for the Rover was �237. That was a just a little more than RAC quoted for me this year. I now have it down to �181 with Adrian Flux. The actual policy says �140, so I guess the difference between the two figures is Mr Flux's cut? > 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...) There are companies who will provide the NCB on two cars, but it all does seem an illogical - and always to the benefit of the insurer. -- Regards, Harry (M1BYT) (L) http://www.ukradioamateur.co.uk
From: Harry Bloomfield on 5 Aug 2010 12:59 bod formulated on Thursday : > 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 Check out Adrian Flux, if you don't mind all the questions to be answered before you get the quote. I think my risk is about the same as Ret's and AF beat mine down by an extra �50 from �230. Also try tuning the risk slightly in the form, TP, FC and the other figure which sets how much of the claim you are willing to pay should you have an accident(?), plus similar for windscreen damage claims. -- Regards, Harry (M1BYT) (L) http://www.ukradioamateur.co.uk
From: Harry Bloomfield on 5 Aug 2010 13:01 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. > > MBQ and, why should they - all very odd, the risk is the same. -- Regards, Harry (M1BYT) (L) http://www.ukradioamateur.co.uk
From: bod on 5 Aug 2010 13:07
Harry Bloomfield wrote: > bod formulated on Thursday : >> 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 > > Check out Adrian Flux, if you don't mind all the questions to be > answered before you get the quote. I think my risk is about the same as > Ret's and AF beat mine down by an extra �50 from �230. > > Also try tuning the risk slightly in the form, TP, FC and the other > figure which sets how much of the claim you are willing to pay should > you have an accident(?), plus similar for windscreen damage claims. > > Thankyou Harry, appreciated. Bod |