NCB insurance scam

p24hrsmith

I guess I shouldn’t be surprised at the level of complacency in the replies I have had to this post. I guess if you’re not affected by this then why should you give a dam.
I would like to thank “dacauch” for talking down to me like I’m an idiot.
And “atrixblue” for the most unintelligent reply.

newbie007_2

I dont think most of the replies here are complacent, some are pointing out how it works while I suggest you look for another insurer as most insurers offers 2 fault claims in a 5 years period protected and then reduce 2 years ncd if you have the 3rd claims in that time.

Anonymouse_MB

Just a little tip for you. You could always try driving an older car and putting it on classic insurance. I drive a 2.2 liter Audi and it is insured fully comp with an agreed vale of £4000 for £240 0 no claims discount as it is not need nor do you build up a no claims discount. When I hade my 1.4 Lupo the cheapest I could get insurance was £3.5k

atrixblue.-MFR-.

p24hrsmith wrote: »

I guess I shouldn!!!8217;t be surprised at the level of complacency in the replies I have had to this post. I guess if you!!!8217;re not affected by this then why should you give a dam.
I would like to thank !!!8220;dacauch!!!8221; for talking down to me like I!!!8217;m an idiot.
And !!!8220;atrixblue!!!8221; for the most unintelligent reply.

thats a really intelligent reply!!

to come out with this you really must have an IQ of a fish.

in my opinion it is best to go through to a direct insurance company, not those that pay to underwriters, insurance is a legal requirement we do not like their policies but because this day and age and a compensation culture like america you cannot blame them to put clauses in and your premiums up insurers do not have to offer NCB protection to us and they very well could charge whatever they like for that feature, in my opinion protecting your no claims is basicaly telling your insurance company that your a risk and need to protect it because your likely to have an accident or someone named is.

why not put your premium up after an accident if it was our fault, they have to pay for recovery of your vehicle, they have to pay someones wages and petrol to go assess your car,they have to pay storage, they have to pay for letters to the other party, they have to pay out compensation, and they have to pay out for a vehicle, so why not pass some of that cost onto us. insurance companies would go bust if they didnt.

this is another simple way of putting it, IF YOU THINK THEY ARE SCAMMING YOU GIVE UP DRIVING no need for insurance that way.

darich

atrixblue.-MFR-. wrote: »

thats a really intelligent reply!!

to come out with this you really must have an IQ of a fish.

Not very fair on fish is it???:D

darich

p24hrsmith wrote: »

Ok let me clarify this, I am not talking about claims made against you by a 3rd party. I'm refering to the claims you make just for your own car like Theft, Fire and that little skid on the ice that put you in the ditch writing off your car

The less value there is in your car the more unfair this is, lets say you only make 1 claim so loose 20% NCB which will take 2 years to get back so based on £2,000 policy. The first year wikll cost u £400 extra the second £200 extra total £600 ..... However the car was worth just £500 and then there was the excess of £100 so the insurance pays £400 to you for the car and you then have to pay them back £600 does that sound fair?

a claim is a claim. It doesn't make a huge difference, if any, who makes it whether it's the policy holder for skidding or a thrid party after a collision. The insurance company will be required to pay out so it makes little difference who makes the claim.

You also have to compare like with like. Are you really suggesting that all things being equal a £500 car will cost the same to insure as a £20,000 one?
I'd suggest the more expensive newer car will cost a bit more to insure.
I'd also suggest that in some cases the value of your car is irrelevant - you're covering yourself against thrid party claims/damage. In those cases, it doesn't matter whether your car is £500 or £20,000 - the third party's property will cost the same.

As has been suggested, if you feel so strongly about it, then you have two choices, either insure an expensive car to get round this "scam" as you call it, or sell your car and don't drive.

aqueoushumour01

i think the op makes a valid point in that, on some occasions, it pays not to claim due to higher future premiums. on some policies this won't be the case if ncb is wholly or partially protected, but some others will try it on. i hadn't actually thought of checking my policy for to what extent the first claim is protected, so this is something i'll check and bear in mind for future reference

Anonymouse_MB

The value of your car doesnt make a difference I can insure a 1.4 lupo for £3.5k or a ferrari f355 for £1k both same excess same driver same parking place at night the insurance companies make the rules as they go along.

midgetessa

darich wrote: »

a claim is a claim. It doesn't make a huge difference, if any, who makes it whether it's the policy holder for skidding or a thrid party after a collision.

The different types of claims are very relevant.

Making a 'no fault' claim should not affect your NCB and probably not adversely affect your renewal premium. If you have more than one 'no fault' claim your renewal premium will increase however.

This has been my direct experience, anyway. Might be different for others.

darich

midgetessa wrote: »

The different types of claims are very relevant.

Making a 'no fault' claim should not affect your NCB and probably not adversely affect your renewal premium. If you have more than one 'no fault' claim your renewal premium will increase however.

This has been my direct experience, anyway. Might be different for others.

The OP isn't talking about non fault claims. You're right in that a non fault claim will have minimal effect on your premium but I meant that it makes next to no difference on claiming for crashing your car into a tree versus crashing into another car versus being stolen.....all of which would be "at fault" claims since the insurance company cannot reclaim their outlay from anyone.