Ricky49 Posted January 2, 2012 Author Share Posted January 2, 2012 I know my wife's family in Italy just jump in anyone's cars as its the person insured not the car. Quote Link to comment Share on other sites More sharing options...
Sheefa Posted January 2, 2012 Share Posted January 2, 2012 Regarding NCB's, you do need to be very careful, as for example, I've never made a claim or had any against me but in 18 years of nearly continuous car ownership, I still have only 10 years NCB. 9 years used to be the maximum, so it just stopped being counted, since it gave a maximum 60% discount. Now you have Admiral, (my current insurer), telling me I have 1 year of 'Admiral NCB' (and their website allows up to about 35 years NCB to be entered for a quote). Presumably they'll convert it back to 'actual years' when I cancel. Btw, if you want your NCB to accrue faster, keep any policy until it expires, even if you've sold the vehicle, unless a pro-rata refund is worth more, of course, say after only 5 months. This could conflict with my next point though. The thing that gets me the most is that your no claims bonus or discount is not linked to you as the driver but specific vehicles, so you have to choose which one to use it on if you have more than one and any others won't be discounted. This means that if you buy a car and insure it, then buy another before you sell the first but need to insure the second, if you then sell the first car you can't transfer the NCB to the second and continue it until the policy renews in nearly a year, for example. It can very easily become discontinuous and years lost just in the normal course of replacing vehicles if you overlap them. I mean, not everyone buys a car then sells it then buys another without insurance policies needing to be in place on two vehicles at one time, therefore causing a break in the no claims period. It's all B@ll@cks if you ask me. Which you didn't You're very much like a wind up toy. A bit of wrist action, release the cord and off you go on a tangent! Quote Link to comment Share on other sites More sharing options...
Sheefa Posted January 2, 2012 Share Posted January 2, 2012 I know my wife's family in Italy just jump in anyone's cars as its the person insured not the car. If only we did adopt a system like this. Quote Link to comment Share on other sites More sharing options...
Morpheus Posted January 2, 2012 Share Posted January 2, 2012 You're very much like a wind up toy. A bit of wrist action, release the cord and off you go on a tangent! Quote Link to comment Share on other sites More sharing options...
Morpheus Posted January 2, 2012 Share Posted January 2, 2012 If only we did adopt a system like this. I completely agree. The E.U. have no right being more sensible than us about something so blatantly obvious. I remember once when we had a fair and decent society, in which people were people and cars were cars. Each treated the other with respect. Now it's just me, me, me. No more 'all's well that ends well'. Just screw the pooch and run for cover. Speaking of covers, I wonder if insurance is cheaper if you put a car cover on? Probably not. Just another example of out of control greed! I say round them up, stick 'em in a field and bomb the b@stards! And another thing! These people who go off on tangents all the time; who the hell do they think they are?!!! Quote Link to comment Share on other sites More sharing options...
Ricky49 Posted January 4, 2012 Author Share Posted January 4, 2012 Well in that case your go to go twinkle toes. 1k for insurance though, blimey. i got mine for 650 through LW, and that was with an agreed value of 18k Had a quote back from LW, with agreed valuation of 17k, 9year No claims, every mod declared and my accident and points comes to a whooping £870. I'm not happy paying that much but it's £105 cheaper than my Sky renewal. Quote Link to comment Share on other sites More sharing options...
Sheefa Posted January 5, 2012 Share Posted January 5, 2012 Not bad with prices on the increase Ricky. Limited mileage? Quote Link to comment Share on other sites More sharing options...
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