Reply to: No Claims Discount

[northernladuk]

Insurance companies, the ******* ****ers.

The quote I had (first time in years I've looked into Insurance on my own rather than being a named driver) they want over £1k and they want me to have one of those yokies in the car to track my driving

You mean and old chap in the back with a flat cap and a whippet?

[eek]

Insurance companies, the ******* ****ers.

The quote I had (first time in years I've looked into Insurance on my own rather than being a named driver) they want over £1k and they want me to have one of those yokies in the car to track my driving

Can you not ring you current company and get them to give you a quote for a second policy. We've twice had to do that and twice instantly got a decent quote with 5 years no claims instantly following.

[cailin maith]

didn't realised you were only 17!

With that quote one would think I was

[Troll]

Insurance companies, the ******* ****ers.

The quote I had (first time in years I've looked into Insurance on my own rather than being a named driver) they want over £1k and they want me to have one of those yokies in the car to track my driving

didn't realised you were only 17!

[cailin maith]

Insurance companies, the ******* ****ers.

The quote I had (first time in years I've looked into Insurance on my own rather than being a named driver) they want over £1k and they want me to have one of those yokies in the car to track my driving

[BoredBloke]

Or just do away with the third party liability altogether. It means you're only insuring your own car, so if you want to drive a £500 banger, you don't need insurance as your total risk is £500. If you drive an expensive car, then your insurance has to include the risk of somebody driving into you - but that's not that radical. If your house is burgled, you don't claim of the burgular's insurance for your losses, you claim on your own.

Incidentally, I see with the middle lane story they've also increased the fine for driving without insurance from £200 to £300. I'm sure 17 year olds being asked for £2K to insure a 1.1. hatchback will be put off taking the risk now that the fine is £300.

They should fine those driving without insurance at least the higest of all the quotes that they could get from compare the market and the like.

[ZARDOZ]

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.

.

It doesn't make sense though does it. Even if it's on the policy, when you leave the insurance company the policy ceases to exist. You can then use the NCD on another policy, but only one policy. It's just a money making scheme. The NCD should be on the driver, if you have a low risk profile you should get the discount on anything you insure.

[VectraMan]

Could not HMG become issuer of the basic Third party insurance ticket and then we could use the Insurance companies to top up for comp cover extras if required?

Or just do away with the third party liability altogether. It means you're only insuring your own car, so if you want to drive a £500 banger, you don't need insurance as your total risk is £500. If you drive an expensive car, then your insurance has to include the risk of somebody driving into you - but that's not that radical. If your house is burgled, you don't claim of the burgular's insurance for your losses, you claim on your own.

Incidentally, I see with the middle lane story they've also increased the fine for driving without insurance from £200 to £300. I'm sure 17 year olds being asked for £2K to insure a 1.1. hatchback will be put off taking the risk now that the fine is £300.

[Troll]

[Troll]

It's patently a rigged system by a cartel and enforced by legislation...do continental drivers suffer the same problems - as I'm sure we have some of the safest roads in Europe but the highest premiums

Could not HMG become issuer of the basic Third party insurance ticket and then we could use the Insurance companies to top up for comp cover extras if required?

[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.

[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.

[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!

[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.

[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.