No claims bonus mean nothing?

[TMSaxo]

I've just got off the phone with DAS and they told me it isant really calculated on ncb anymore its calculated on other stuff. Is this true?

[devilsadvocate]

Either they are lying or they are the only insurance company not to offer a discount for NCB

NCB is the thing that will reduce your insurance premium the most until you are like 25+ (maybe older) where insurance is cheaper and even then NCB will make a decent difference

I am 23 and my insurance is about £500ish with 3 years NCB
If I did the same quote without the NCB, it goes up to £1200

[TMSaxo]

Have you had an accident mate?

[devilsadvocate]

Have you had an accident mate?

Nope

I passed at 17 but didnt have insurance long enough to get the NCB for the first two and a bit years.
Either the car I had died and couldnt afford to get it repaired or didnt have a job at the time so couldnt afford to drive lol

[TMSaxo]

Ahhh. Well heres a quick question. Basically my accident happended on the 14/09/10 and I had 0 NCB. Was due 1 years NCB. Coming up to my second NCB do they all get wiped off or just the ones before the accidents?

[outrage_uk]

NCB is the thing that will reduce your insurance premium the most until you are like 25+ (maybe older)

Your risk postcode (home, and where your car is kept at night) is the thing that will reduce your premium the most.

[TMSaxo]

Anyone answer my question?

[BertieG]

unless you have protected NCB, you lose all the NCB building up to your accident (normally. sometimes, if you have loads of NCB, you only lose a few years)

[TMSaxo]

So say if I had no ncb, but was coming up to my renewal. I wouldnt get the renewable ncb. But am on another year now which is nearly completed. Wil this get wiped off?

[devilsadvocate]

As far as I am aware (I could be wrong) but you lose all no claims up to the date of the accident

Any NCB you acrue after this still counts

Thats my understanding, however I am not 100%

[outrage_uk]

Once again - people need to step back and take a look at what "NCB" means...

Every year of claim free driving, a note will be made that you haven't made a claim within that 12 months (sometimes 10). As a 'reward' for pissing that money away to nothing, you get a percentage off the next year. It's a statement of facts... an insurer can't turn round and 'take off' claim free driving for the future!

On the other hand, insurance is now so unregulated and calculated so randomly so that the 35% 'bonus' you should get will happily be cancelled out by other factors if they wish (especially if you have made a claim, so they can claw some money back).

[CEdwards]

NCB do mean alot, it does normally reduce your premiums.

[devilsadvocate]

NCB do mean alot, it does normally reduce your premiums.

Yeah it does, Outrage just likes to have a little moan about how insurers screw us all over
Insurance is expensive, we have to have it so deal with it.
Is it badly regulated? Yes
Can we do anything about it? Nope because we have to be insured

Realistically, if you have been 100% truthfull on your quote then the only way to get it cheaper is to shop around and even that may not make much difference.

My insurance is £500 but I am happy to pay that
My insurance is drastically reduced due to the NCB I have built up

NCB is the one thing that will (almost always) reduce your premium year on year until you reach 5+ years NCB where it will barely make a difference

[TMSaxo]

Found out today I will get 1 years NCB this year!

[outrage_uk]

... thats because you have been driving a year with out a claim..

(ie One Years' No Claim Bonus)

Outrage just likes to have a little moan about how insurers screw us all over
Insurance is expensive, we have to have it so deal with it.
Is it badly regulated? Yes
Can we do anything about it?

(blah blah...)

My insurance is £500 but I am happy to pay that


I would apologise but most of us don't enjoy paying insurance like yourself.

There are things you can do - you chose not to (obviously we wont go into that again).

Last year, my insurance dropped around 40% when i 'moved' from a group E postcode to a group A. I advised my dad to 'move' and his dropped 60%.

Then this year both our renewals have gone up ~25% (even with an extra year claim free). Great.

[kristel10589]

... thats because you have been driving a year with out a claim..

(ie One Years' No Claim Bonus)



I would apologise but most of us don't enjoy paying insurance like yourself.

There are things you can do - you chose not to (obviously we wont go into that again).

Last year, my insurance dropped around 40% when i 'moved' from a group E postcode to a group A. I advised my dad to 'move' and his dropped 60%.

Then this year both our renewals have gone up ~25% (even with an extra year claim free). Great.

going on your use of 'move', I take it you didn't actually move? Just told the ins you had?

[devilsadvocate]

going on your use of 'move', I take it you didn't actually move? Just told the ins you had?

Thats probably what he did......

One day things may catch up with him

[kristel10589]

Thats probably what he did......

One day things may catch up with him

Hopefully. What another retard to add to the masses.

[devilsadvocate]

I would apologise but most of us don't enjoy paying insurance like yourself.

.


I don't enjoy paying for insurance but I pay it because it is a legal obligation and I will get something back if I am involved in an accident

On your logic, I know several people who could give me a genuine MOT certificate without even looking at my car......because it's cheaper, should I buy one?

[BertieG]

I don't enjoy paying for insurance but I pay it because it is a legal obligation and I will get something back if I am involved in an accident

On your logic, I know several people who could give me a genuine MOT certificate without even looking at my car......because it's cheaper, should I buy one?

cheaper? i can get one for £70, how do you get one cheaper than £45?

(im not after one, i personally like to know if my car has any problems, and that its safe and legal!)

[devilsadvocate]

cheaper? i can get one for £70, how do you get one cheaper than £45?

(im not after one, i personally like to know if my car has any problems, and that its safe and legal!)

Nah I meant cheaper than putting it through and fixing what it fails on, saxos and 106's normally fail on something lol

Think I can pick one up for about the £70 mark as well, not that I want one
My car is safe and legal

[xSaxoPete]

Insurance is really high these days. A complete joke

[TomT]

Just got my renewal quote - £1800
I payed 2500 last year.

So it's gone down £700 for 1 years no claims.

[JoshB]

When I first got my Saxo VTS - 24 with 0yrs NCB - £470
25 with 1yrs NCB - £510
Scrapped the 'S and got an 'R - 26 with 2yrs NCB - £570!

Its an absolute joke!

[TomT]

When I first got my Saxo VTS - 24 with 0yrs NCB - £470
25 with 1yrs NCB - £510
Scrapped the 'S and got an 'R - 26 with 2yrs NCB - £570!

Its an absolute joke!

Ouch. wtf was there explenation for that?

[loudandproud205]

classic polices are where its at.

Dont require no claims, cheap cost.

MR2 Turbo classic policy £275 ish a year!!

So yeah my no claims mean nothing :p

[ThrushMotorsport]

NCB makes the biggest differance, also post group your in and also whats been done to the car, and how old the person is.

[outrage_uk]

On your logic, I know several people who could give me a genuine MOT certificate without even looking at my car......because it's cheaper, should I buy one?

Why do you suggest such stupid and non relevant things?

An MOT is there to ensure your car is legal but also safe on the road. I personally like to know what is wrong with my cars. :wacko:

When you obtain insurance, the main (legal) purpose of it is to cover you for third party liability to others. They are under a legal obligation to pay this and if they choose not to, they need a good reason (as in prove in Court that the Ripspeed aerial you didn't declare contributed to the third party claim).

I know you don't understand this but that is how it is.

If people actually look into insurance and the expenses... (on shit cars) TPF&T will work out much cheaper than fully comprehensive in the event of a claim - but insurers use it as an easier route to 'void' your policy.

[dannyhall]

If I was to take a policy out on a saxo vts and use my existing NCB on the Civic, the insurance is only £500 fully comp with 0 NCB..!

Crazy