Car Insurance Companies, Crooks, or just !!!!!!?

Radsteral

my car s insurance ended 10 of september and i was abroad, when i came home in october i insured it..after too many questions , today another letter arrived '' can you tell us in writting why there is a gap of non insurance from september to october''
i call them and ask politely why do you need to know? answer= our underwriter wants to know
me- can i speak to your underwriters?
they= no
me - then tell them to f of , none of their bussiness

hour latter i get a call , your insurance would be canceled if you dont reply
me- i have already done s0

Lovelyjoolz

Doc. wrote: »

I currently have a policy running on my Fiat Multipla, full no-claims, wife as named driver on 3 years NCD.
I've just taken out a policy for a Wheelchair adapted vehicle, we got it from a family friend so I can take my (currently) Wheelchair-bound Mum out occasionally.
I used a comparison website, put in that I haven't made a claim for over 9 years (max NCD), and went for the cheapest quote (naturally).
Now, when I asked my Multipla insurers for proof of NCD, they say it can only be used for one policy at a time :huh:

You can use your NCD twice, if you insure both cars with the same insurer. Speak to company that deals with multi car quotes (such as admiral) and they will use the same discount on both vehicles. You can start the multicar policy off with the new car now and add the Fiat when its policy expires. I just did the same with my two cars.

Gloomendoom

Lovelyjoolz wrote: »

You can use your NCD twice, if you insure both cars with the same insurer. Speak to company that deals with multi car quotes (such as admiral) and they will use the same discount on both vehicles. You can start the multicar policy off with the new car now and add the Fiat when its policy expires. I just did the same with my two cars.

Interesting. Presumably, if you have a bump on one car, you lose the NCD on both?

movilogo

If NCB can be used in only one car then any accident should affect premium hike in one car too.

But alas, it always works in insurers' favour!

agrinnall

One might have thought that someone asking for advice on insuring a WAV might be more careful about using an offensive term such as '!!!!!!' but apparently not - please feel free not to post on MSE again.

Kezza70

Cheers guys, that puts my mind at rest, I'll just have to keep hold of all my renewals, oh the joys of motoring!!:o

Gloomendoom

agrinnall wrote: »

One might have thought that someone asking for advice on insuring a WAV might be more careful about using an offensive term such as '!!!!!!' but apparently not - please feel free not to post on MSE again.

OT but not everybody regards the term as offensive.

Nearly_Old

Gloomendoom wrote: »

Interesting. Presumably, if you have a bump on one car, you lose the NCD on both?

We went with Admiral 3 years ago when we got an additional car and our then current insurer would not allow any discount. When talking to Admiral they made it clear that each car effectively has its own policy and its own NCD.

We had 2 cars and both the existing policies were in my name with my wife named as the main driver on one policy. At Admiral's suggestion the "new" 3rd policy was taken out in her name and they gave her a discount equal to having full NCD. She now earns real NCD year by year (assuming no claims) and the discount reduces in proportion.

The Admiral system is quite neat as you have to name an Administrator who is responsible for ensuring that the main and named drivers are fully aware of the conditions attached to each of the (effectively) separate policies. As an example for the car for which my wife is the main driver her excess is £1,500 whilst as a named driver mine is £250 on that particular car - she has 6 points at the moment! Tailoring the policies and the excesses to the risk for each car individually is one way of keeping the cost down. Our 2010 renewal for all 3 cars was £1,010 and the 2011 renewal was £1,012 - all the cars are insured for commuting and business use.

I have no connection with Admiral other than as one of their customers.