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HEXUS.automotive - Cars & Bikes The place for petrolheads and ride pimpers to chill and discuss what’s chav, what’s hot and what’s ICE  |
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07-03-2005, 01:29 PM
| #1 (permalink) |
| Senior Member Join Date: Jul 2003
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| Car Insurance / NCB.. a joke Is it me, or are insurance companies taking the complete **** with the whole concept of insurance and NCB? It was bad enough with the 10 month bonus accelerators, I now see Norwich Union has a similar scheme that runs for 9 months!!!. How is this acceptable? 9 months DOES NOT = a years no claims! Before you know it there will be 6 month Ultra Rapid Bonus Turbo schemes!# I find it completely unfair that the majority of us are building up our NCB in the painfully slow manor whilst someone else can come along and build there's up more quickly. I'm actually thinking of cancelling my policy and taking the 9 month one.  |
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07-03-2005, 01:37 PM
| #3 (permalink) |
| sneaks quietly away.  Join Date: May 2004 Location: Wiki Wiki Wild West side... of Sussex
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| The point is, however, that you're paying an increased monthly payment for the honour of an accelerated NCB. This will only be recognised by the same company. Try to switch insurers and you're stuffed. |
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07-03-2005, 01:38 PM
| #4 (permalink) |
| Senior Member Join Date: Jul 2003
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| Originally Posted by schmunk Oh, this I know, but NU are always the cheapest for me anyway so sticking with them isn't the problem. However, I'm not sure if the 9 month policy is more expensive. I'll have to ask
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07-03-2005, 01:53 PM
| #5 (permalink) |
| The stug  Join Date: Jul 2003 Location: In front
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| Remember a few months back I got t-boned? I spent over £2500 of my own money to save my NCB, fixing my car. The other guy claimed, and because technically it was all my fault, my insurance are now voiding my NCB because of this guy's £200 claim against me  F****** outragous.  My name is Simon  |
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07-03-2005, 02:19 PM
| #6 (permalink) |
| From The Grave  Join Date: Jul 2003 Location: SE London
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| Well if you caused the accident Shad, I can't see how you can have expected not to lose your NCB?  www.no2id.net www.saynoto0870.com www.housepricecrash.co.uk Now these points of data make a beautiful line, and we're out of beta we're releasing on time.... |
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07-03-2005, 03:03 PM
| #7 (permalink) |
| The stug Join Date: Jul 2003 Location: In front
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| Originally Posted by Rave WTF did I pay £1200 for then?!
My name is Simon |
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07-03-2005, 03:14 PM
| #8 (permalink) |
| Walk a mile in other peoples shoes... Join Date: Jul 2003 Location: Questioning it all
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| Insurance, which i'd want to use if i had a £2500 smash. My car had much worse damage of my own making, had to claim, and end result lose 2 years NCB and on this years renewal i paid about 60 pounds more with 300 pounds less excess.... TiG -- Hexus Meets Rock! -- |
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07-03-2005, 03:22 PM
| #9 (permalink) |
| www.5lab.co.uk Join Date: Sep 2003
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| why didnt you offer to pay out of your own pocket... with £2500 i'd have definatly claimed - is it too late to claim retrospectively? hughlunnon@yahoo.com | I have sigs turned off.. |
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07-03-2005, 03:32 PM
| #10 (permalink) |
| Sexiest Hexus user? quite possibly  Join Date: Jul 2003 Location: Stratton Strawless, Norfolk
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 | i cant moan. Im takin out a rapid insurance thingy with norwhich union on he 19th.. 20 years old (21 in april) and 1 years NCB (providing i aint crashed by the 19th  ) and its costing me £575- thats half what the next cheapest is for me   joga bonito www.darkmattercommunity.com - sign up for our Gow 1&2 and CoD4 team add me : http://twitter.com/russgroves my blog : http://russellgroves.blogspot.com |
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07-03-2005, 04:01 PM
| #11 (permalink) |
| From The Grave Join Date: Jul 2003 Location: SE London
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| Originally Posted by Shad
If there's a claim aginst your insurance as a result of an accident which was your fault, then you lose your NCB. It's as simple as that. The only way to have avoided it would have been to pay for the repairs to the other driver's car yourself. www.no2id.net www.saynoto0870.com www.housepricecrash.co.uk Now these points of data make a beautiful line, and we're out of beta we're releasing on time.... |
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07-03-2005, 04:06 PM
| #12 (permalink) |
| The stug Join Date: Jul 2003 Location: In front
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| I wish I had have done now. I rekon the damage directly relating to the incident would have cost around a grand to repair on its own so that's what I'm going to ask for seeing as I'm losing the NCB anyway. Reason I didn't claim in the first place was because they would have written it off. I can't have 2 write offs within 3 months. My name is Simon |
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07-03-2005, 04:11 PM
| #13 (permalink) |
| Senior Member Join Date: Jul 2003 Location: Plymouth, UK
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| Originally Posted by schmunk Sorry but this is not true. Certainly with Admirals 10 month policy, you recieve a full years NCB which is recognisable by all other insurers.
 BMW 530i Sport | Ford Mondeo Ghia X RSAP |
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07-03-2005, 04:16 PM
| #14 (permalink) |
| sneaks quietly away. Join Date: May 2004 Location: Wiki Wiki Wild West side... of Sussex
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| Insurer: 'So, how long have you been driving?' Insuree: 'Err, just under 10 months now.' Insurer: 'So, zero no claims bonus then...' Insuree: 'No, I've got a year's bonus!' Insurer: 'OK, so that's zero no claims bonus.' |
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07-03-2005, 04:22 PM
| #15 (permalink) |
| From The Grave Join Date: Jul 2003 Location: SE London
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| Some insurers will recognise the NCB from a bonus accelerator policy, others won't. It's at their discretion really. Still, I would imagine that NU wouldn't really have much of a leg to stand on if they tried to claim that they didn't recognise the NCB from an Admiral policy .I personally went from doing two years of bonus accelerator with Admiral to a full year policy with Elephant....who are part of the Admiral group. Either way, when my insurance comes up for renewal this year I'll have 4 full years and two 10-month years, which is 5+ years NCB any way you look at it . Am I right in thinking that no insurer continues to count NCB over and above 5 years?Rich :¬) www.no2id.net www.saynoto0870.com www.housepricecrash.co.uk Now these points of data make a beautiful line, and we're out of beta we're releasing on time.... |
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07-03-2005, 05:03 PM
| #16 (permalink) |
| Va-va-vooom Join Date: Jul 2003 Location: Tyne & Wear
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| Shad... i'd send your insurance company a receipt for the work done.... and claim it back off them!  *Disclaimer* - The contents of this message are not necessarily my own opinions,thoughts or views... they may belong to the voices in my head! |
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