Norwich Union Simple Cover - Has anyone used them?

Cinders2001

I have a fully comp quote from them for £289 or £311 with Legal Cover.

How different is this insurance from the fully comp I currently get from Norwich Union?

Am I loosing out on something by going Simple?

cheggers

The way I read Simple cover is its fully comp for your car, but I dont think your covered for your own medical expenses (if you had an accident I am ure you'd want to be fully covered for your medical cover and rehab)

I used confused.com Norwich union simple cover was the cheapest, but I went with RAC who were £10 more expensive but I thought there cover was better.

Astaroth

There are a number of standard "extras" on Comprehensive insurance that they may have stripped away (havent looked at the policy yet so cant confirm):

Driving other cars (allows you to drive any car not owned by you on a third party only basis - NU already stripped this from their policies sold through brokers)
Courtesy car
Personal accident - pays you money for significant bodily injury irrespective of blame
Medical expenses - cost of medical treatment from an accident irrespective of liability
Personal effects - items you have in the vehicle
Foreign use

As well as this also look for higher excess

Cinders2001

mmm, thank you both.

I don't need a courtesy car.
I don't go abroad.
I don't drive other cars on my insurance. (mother in law has me on her fully comp insurance)

And I pay the least voluntary excess allowed!

I want an insurance that will cover the personal and medical I think (never really thought about that)

If you come across anything else please let me know......I have to renew ready for the 5th!

maclean2

Hi - believe the compulsory excess is £400-500 and definitely phone calls to them are 50p/min on 0906 number.

HTH

Astaroth

Cinders2001 wrote:

I want an insurance that will cover the personal and medical I think (never really thought about that)

They are probably the most under used aspects of motor insurance - though the personal accident is the "lose a limb" type cover rather than things like whiplash (in non-fault accidents all injuries are claimable from the at fault party irrespective of what cover you have - if you have Legal expenses then your insurers will assist in the process, without it you have to deal with it yourself/ get a solicitor)

Check the excess - both the standard excess (make sure there isnt a compulsary excess on top of the voluntary) and also the set excess like for glass claims (and that they give you the seperate glass cover)

Cinders2001

There is a compulsory on top yes......as there is with most of the ones I have seen recently.

Policy Holder: xxxxxxxx DOB: 18/04/1964
Employment Status: Houseperson Marital Status: Married

* You have held a full UK or EU driving licence for 9 years or more
* You are a UK resident
* You have had no motoring convictions (including fixed penalties) in the last 5 years
* You have had 1 accident or claim in the last 4 years
* You have 1 year No Claims Discount
* You do not hold an 'Institute of Advanced Motorists' certificate
* You have 2 children in your household


* Your policy will start on 05/11/2006
* There are two named drivers on this policy:
o Mrs xxxxxxxx
o Mr xxxxxxxx
* Your voluntary excess is £100
* Your compulsory excess is £250
* Your car is used for social purposes and commuting to work (business use is not required)
* You do not require no claims bonus protection
* Your annual mileage is 10,000 miles
* Your car is kept in your garage overnight
* Your car is not fitted with an alarm
* Your car is fitted with the manufacturer's standard immobiliser
* Your car does not have a tracking device fitted
* There is 1 other vehicle in your household
* You or your spouse/civil partnership/domestic partner are the registered owner of the vehicle

Cinders2001

That's what is says anyway.
What do you think?

Astaroth

If you have another car in the household it may be worth looking at a "second car" type policy which they copy the NCD from the original vehicle across onto the second - I know that some of the RBS brands (Direct Line/ Privilege etc) certainly used to offer this even if your original vehicle isnt with them.

Cinders2001

Thats interesting about the NCD.
We don't have a second car.....just 50cc scooter!
Had the bike from new in 2000 and never claimed for anything.

Does that count??

Cinders2001

Oh, it is in my husbands name and I am a named rider on his policy.