Updated Cheap Car Insurance guide - new system

rs65

50Twuncle wrote: »

2 cars
And we both need to be able to drive each others cars - with the cost of a multi car policy being considerably less than 2 separate policies !!

A multi car policy isn't always cheaper - no guarantee any one insurer will be best for both cars.

We have 2 cars and both drive each others. She is with Aviva and I'm with DL.

Travelman868

In the last 3 years I have 2 no fault claims.
1) Boy hit my stationary car in snow.
2) Elderly lady rolled into my car in car park.

My 70% NCD is protected and paid for. At renewal the insurance premium is increased because of these 2 no fault claims.

I questioned why, as my NCD is protected???? Their answer was the 70% bonus was applied however they considered that the risk was higher therefore the premium goes up.

Soooooooo if we have a no fault accidents we should be able to claim for the extra premiums we are asked to pay. AND not just for the first year, as this extra premium can be applied for 5 years.

:mad::mad::A:A

Quentin

Travelman868 wrote: »

My 70% NCD is protected and paid for. At renewal the insurance premium is increased .......

Even without any claims the norm is for renewals to increase, and the MSE advice is never accept the renewal price but use the MSE guide to search the market for the best price.

(Protecting your NCD is unrelated to your base premium, and insurers say the statistics show if you are involved in any claims irrespective of blame you are a greater risk than someone with no claims at all in their history)

shangaijimmy

Had a great conversation with Admiral over multi-car after taking car insurance on my car. Managed to get them to reduce my insurance by £5 a month (which is a touch more than 25% for the year), then they agreed to give a bonus 3yrs extra NC on Mrs SJ's car to make her renewal cheaper than we currently pay.

Really pleased i haggled!!

bexster1975

Hi

Not sure how good a deal this is but saved 50% on my renewal in total. £60 was cashback on my insurance ( which has already tracked but same cover for half the price ( just under £200).

Bexster

50Twuncle

Travelman868 wrote: »

In the last 3 years I have 2 no fault claims.
1) Boy hit my stationary car in snow.
2) Elderly lady rolled into my car in car park.

My 70% NCD is protected and paid for. At renewal the insurance premium is increased because of these 2 no fault claims.

I questioned why, as my NCD is protected???? Their answer was the 70% bonus was applied however they considered that the risk was higher therefore the premium goes up.

Soooooooo if we have a no fault accidents we should be able to claim for the extra premiums we are asked to pay. AND not just for the first year, as this extra premium can be applied for 5 years.

:mad::mad::A:A

This is the reason that Guaranteed NCD is not worth the paper that it is written on - they may offer you a "fixed" percentage reduction due to your driving record - but can increase the basic premium as they like !!
And, for this "benefit" - they feel entitled to charge you a premium.....

Quentin

50Twuncle wrote: »

This is the reason that Guaranteed NCD is not worth the paper that it is written on - they may offer you a "fixed" percentage reduction due to your driving record - but can increase the basic premium as they like !!
And, for this "benefit" - they feel entitled to charge you a premium.....

You look to misunderstand completely what "Guaranteed NCD" is. (Though the poster you quoted actually had "protected" NCD, not guaranteed)

It is quite separate from the "basic" premium you refer to.


In the example given, the poster says he had 2 no fault claims, in which case his NCD would be unaffected (whether or not it was "protected") and whatever NCD he had throughout was irrelevant as far as his new premium was concerned as you don't lose NCD following no fault claims.


Were they fault claims, then without protection the NCD would have dropped to 1 year after the 2 claims. Do dummy quotes with 5 years NCD and 2 claims and with 1 year NCD and 2 claims to see the benefit of protecting your NCD.

jrspigot

I don't know if this has been asked before ...

I have not claimed on my car insurance for over 20 years.

Some insurance companies only go up to '9 years' or '9 years +' for the amount of no claims.

So when I shop around for insurance every year, I could have had insurance £35 cheaper with Saga for '15 years plus' no-claims , whereas my current insurer only goes up to '9 years' so that's all I can provide as proof...

Quentin

If saga is the cheapest and you want to go with them why not discuss this with them. (They must be aware of the difficulty in getting proof of NCD showing more than 9 years)


Otherwise if you have the paper trail going back over 15 years see if they will accept that.

samizdat

I am trying to get quotes on behalf of my wife, who had a claim this year. An unknown person drove into her car without leaving any details.

This has been noted on her renewal form as an "at fault" accident - is that right?

And yet her no claims "years" has been marked as 4. Prior to the accident it was 9 years.

I don't really understand how all that works! Does "at fault" just mean "couldn't find anyone else to blame"? And how does the reduction in no-claims years work? Why isn't it zero years?