No Claims Discount

[Platypus]

The clue is in the 'up to' bit.

Insurance is made up of a basic premium then, lots of other bolt on bits such as legal protection, windscreen cover, hire car etc, etc. These things dont generally attract the discount from the No Claims Discount so overall, the NCD doesn't reduce the whole payment.

So the numbers they quote are misleading.... isn't there a law against that?

[northernladuk]

Oddly enough Admiral were not cheaper via multicar for me but one is a high insurance group so maybe out of their risk factoring. I am tempted to have a look at the Direct Line thing they are advertising. We have 3 between the two of us and was impressed with their approach to house insurance so will be giving them a call when I get all the info together.

[kal]

Renewal quotes are an easy rip off target.

To be honest I always shop around and did, but the renewal quote from Aviva (276 quid fully comp) was the best so can't fault them there, just can't work out how they came to an extra £19 quid for the policy change I made

[Platypus]

Oddly enough Admiral were not cheaper via multicar for me but one is a high insurance group so maybe out of their risk factoring. I am tempted to have a look at the Direct Line thing they are advertising. We have 3 between the two of us and was impressed with their approach to house insurance so will be giving them a call when I get all the info together.

And you get more discount for having your household insurance with them [Direct Line] too

[SueEllen]

Oddly enough Admiral were not cheaper via multicar for me but one is a high insurance group so maybe out of their risk factoring. I am tempted to have a look at the Direct Line thing they are advertising. We have 3 between the two of us and was impressed with their approach to house insurance so will be giving them a call when I get all the info together.

Wait until you have to claim from them -

[mudskipper]

If you don't get a NCD, you probably get a something-else discount. It's like 10% off, but only on full price items.

[ZARDOZ]

When did they pull the fast one that is the NCD belongs to the car rather than the driver? Which means if you have two cars they have seperate NCD. One could have 5 years the other none.

I'm sure 20 yrs ago YOU earned the NCD rather than the car.

[AtW]

When did they pull the fast one that is the NCD belongs to the car rather than the driver? Which means if you have two cars they have seperate NCD. One could have 5 years the other none.

I'm sure 20 yrs ago YOU earned the NCD rather than the car.

WHS

It's total bollox - NCB should be drivers, not fooking cars!

[BoredBloke]

When did they pull the fast one that is the NCD belongs to the car rather than the driver? Which means if you have two cars they have seperate NCD. One could have 5 years the other none.

I'm sure 20 yrs ago YOU earned the NCD rather than the car.

Tell me about it. I bought a cheap banger that I used to use to get between the train station and my mates and which would be left at the train station each weekend. Because I couldn't use my NCD the quote for a £400 car using my address was over £800 - no convictions/points etc. I used admiral and on their form you could put in the postcode where the car would be kept. Using my mates postcode the price came in at £270.

I queried this NCD thing as to me, the NCD should be due to the risk you represent in terms of your past driving - a reward for being a safe driver etc. You can bet that had I had an accident in either of the cars, I'd have to declare it on both insurance policies.

[VectraMan]

When did they pull the fast one that is the NCD belongs to the car rather than the driver? Which means if you have two cars they have seperate NCD. One could have 5 years the other none.

I'm sure 20 yrs ago YOU earned the NCD rather than the car.

It's not the car, it's the policy. 20 years ago I had car and motorbike policies, with two separate NCDs as it was then and is now. I also had two cars for about 5 years, and the same thing: not allowed to use the same no claims even though common sense dictates I'm the same careful (or otherwise) driver no matter which car I'm in.

It's the way it's always been, as far as I can tell. Multicar policies are a recent thing.

There was a bit of a scandal with people who'd driven company cars for 20 years suddenly discovering they couldn't use their no claims after they retired and bought their own. Completely ridiculous again, but that's the way they work.