How much did 1 years ncb effect you?

[Ryan1992]

Just wondering, because i've recently been looking at how much 1 years no claims bonus will effect me when i get it.

Currently paying: £2700 on a 1.0
when i get 1 years ncb i got a quote of £1280 on a vtr which i would love ;D

So basically.. how much did your 1 years ncb effect you when you got it?

[outrage_uk]

If your paying £2700 on a 1 litre (insurance group 1 or 2) then your overpaying and you should have seriously considered that before paying it. I know it's difficult, but there will be companies that will insure you for less. Who was the VTR quote with? The same company you are with now, or someone else?

Most insures operate No Claims Discount on (or similar to) the following scale:

1 Year claim free : 30%
2 Years claim free : 40%
3 Years claim free : 50%
4+ Years claim free : 60%
(Extra years, insurer dependant)

From what you have said, the £1420 difference is more than 50% - and that is on a group 15 car (13 or 14 higher). If that is the case then fair enough, im pleased for you but something doesn't seem right to me.

[Reece1591]

if its a 1.0 spree think insurance group is either 3 or 4 and the vtr is in 7 not 14 its the vts that is around 14 mate

[outrage_uk]

Im talking about the new insurance groups (1-50)... the old 1-20 system has now finished.

Parkers Insurance Groups - Citroën Saxo (96-03) (http://www.parkers.co.uk/insurance/groups/by-model.aspx?model=127)

[VTHall]

im wondering this, im currently paying 1800 odd on a vtr, how much will it go down with 1ncb on the same vtr.

[chinkostu]

can't actually remember myself. went down a fair bit though. then the second years would have knocked a couple of hundred off but i got 3 points :(

[Mango_Wes]

I was paying 2300

Then after 1 years, i now pay 1250 :D

[LSOfreak]

go on compare sights and make yourself a year older with a year more driving experience

my first year insurance was 1700 if i remember correctly on a vtr as a named driver
1 year ncb was about 1400 (on my own)
2 year ncb was about 800

[Technics_1210]

I was paying £1600, after one year i paid £1200.

[GoochyBoy]

£2500 --> £1750

[Chris-VTR]

I get my no claims in two weeks, VTR at the minute 1700, with the 1 year no claims 1600 on a VTS. Needless to say I'm now heading to the classifieds :)

[devilsadvocate]

Usually between 25% and 35% depending on the insurer

[Ryan1992]

If your paying £2700 on a 1 litre (insurance group 1 or 2) then your overpaying and you should have seriously considered that before paying it. I know it's difficult, but there will be companies that will insure you for less. Who was the VTR quote with? The same company you are with now, or someone else?

Most insures operate No Claims Discount on (or similar to) the following scale:

1 Year claim free : 30%
2 Years claim free : 40%
3 Years claim free : 50%
4+ Years claim free : 60%
(Extra years, insurer dependant)

From what you have said, the £1420 difference is more than 50% - and that is on a group 15 car (13 or 14 higher). If that is the case then fair enough, im pleased for you but something doesn't seem right to me.

Thats what i thought myself mate, i was really reluctant to pay it, but after 2-3 weeks asking around i couldn't get it any cheaper :(

Both quotes are with Admiral :)
I honestly dont understand the basis that insurance companies get their quotes from! But thats for your info man :y:

[Vtr_Cam]

was paying 1400 for my VTR - now its 950 fully comp with exhuast claimed

[Matt-T]

saved me £700

[Ryan1992]

Seems to be quite a big saving for most people then, thanks for the info guys :y:

[lwigmore]

Well when i first got my 1.4 corsa sport, it was 1400 with 0 no claims

Then went straight onto my VTS it was then 1200 with 1 years no claims

And now with same VTS with 2 years no claims, its 798 with all mods declared :)

So mines dropped a considerable amount when i got my 2nd no claims :y:

[ahoward87]

1years no claims, mine went down by half... i was happy to get that offer but i still said ive been qutoed cheaper and they reduced it some more.... happy days........ :-)

[FlowDan]

was paying 1200, now paying 1500 with a years no claims. -.-

[claretfan]

£2074 before ncb

£1134 after ncb and switching to elephant

pretty happy

car- 1.1 unmodified saxo

me- 20 year old male.

[devilsadvocate]

1years no claims, mine went down by half... i was happy to get that offer but i still said ive been qutoed cheaper and they reduced it some more.... happy days........ :-)

Well done mate :)

No claims bonus makes the biggest difference to insurance prices for young drivers

[Aaron1992]

0 no/claims£2k plus 1.1 saxo
1 year no claims vtr £1100 :)

[lemon191]

on a 1 litre corsa that i got when i passed mine went down from £1.5k tpft to just under £700 tpft with 1 years ncb and thats with 3 points !
ive since got a corsa c fully comp and now paying about 1k again on 2years ncb with 3 points but considering prices have gone up recently not to bad

[Newbold]

Saved like £300 i think

[GoochyBoy]

£800 - and the increase from 17 to 18 lol

[Eskimo]

18 --> 19 -- 1 ncb = £300...

[BertieG]

first years NCB, mine went from £1250 to £565. about 55% saving :)

[tichy]

Wen I first passed it was 3k on my furious with 1ync it 1800 on my vtr

[tichy]

* furio

[JDub]

Hoping mine will go down at the end of my first year which is in November. :(
I'm 18 and currently paying £1200, so I'm hoping that may go down.

[mlawlan69]

Hoping mine will go down at the end of my first year which is in November. :(
I'm 18 and currently paying £1200, so I'm hoping that may go down.

im 21 and paying 1600 on a 1.1 L0L

fucked up or what :(

[Peters_VTR]

Was £2000 on VTR at 17
Now £1400 on VTR at 18 with 1ync

[joe333]

£700 17-18...

[Phreaktwo]

Mine pretty much halfed when i had my punto. From 1400 to around 700 :)