car insurance

banger9365

i have just got my quote for next year(2007/2008) it's £542ish full comp,
right i am with unity and have been for years it's alway been cheepest ,put i have 6years ncd on the paper work and throught this is not right ,so i look at the last two years they both say 6 years ncd (2005/2006 and 2006/2007)do's this mean i have 8years ncd or been paying to much over the last two years .
i have protected ncd too and had one bump in the last 5 years(i think) my fault and one that was not my fault other insurance payed out
any ideas because with not knowing my true ncd i cannot get a quote for cheeper insurance or money back and will be ring them to find out what is going on
any coments please
sorry it gets even better
oct 2001 5 years ncd
oct 2002 cannot find
oct 2003 4 years ncd then anther letter saying 5 years ncd
march 2004 car changed
oct 2004 5 years ncd
oct 2005 6 years ncd
oct 2006 6 years ncd
oct 2007 6 years ncd
so my no claims discount is like a yoyo even through it's proctected
help ?? is this normal

nickmack

banger9365 wrote: »

any coments

Are you sure your NBC is protected, usually 2 years are deducted in the event of a claim, which would tally up with what you posted.

The best way to find out is call your insurer, ask them to explain. This way you will have a definite answer to get quotes with.

raskazz

banger9365 wrote: »

i have just got my quote for next year(2007/2008) it's £542ish full comp,
right i am with unity and have been for years it's alway been cheepest ,put i have 6years ncd on the paper work and throught this is not right ,so i look at the last two years they both say 6 years ncd (2005/2006 and 2006/2007)do's this mean i have 8years ncd or been paying to much over the last two years .
i have protected ncd too and had one bump in the last 5 years(i think) my fault and one that was not my fault other insurance payed out
any ideas because with not knowing my true ncd i cannot get a quote for cheeper insurance or money back and will be ring them to find out what is going on
any coments please
sorry it gets even better
oct 2001 5 years ncd
oct 2002 cannot find
oct 2003 4 years ncd then anther letter saying 5 years ncd
march 2004 car changed
oct 2004 5 years ncd
oct 2005 6 years ncd
oct 2006 6 years ncd
oct 2007 6 years ncd
so my no claims discount is like a yoyo even through it's proctected
help ?? is this normal

Your current insurer obviously gives the maximum available discount when 6 years is reached. Anything over that - 7 years, 8 years, 20 years - will not give any extra discount. That is why your documents from the last couple of years show 6 years.

Just call your current insurer and ask them how many years you came to them with and how many years you have accumulated in total.

custardy

in real terms once you hit max it makes little difference beyond that IME

banger9365

my no claims discount(ncd) is protected and they are saying now i have 8years ndc and i have to send copys off the old paper work for them to look at and work it out right