Is Protected NCD a con?

fred990

Sorted - multi car cover, mirrored ncd & protection. Very inexpensive for what it is.
Hope their website is correct, will be ringing them this morning.

fred246

I hope you've got the no claims discount on your home insurance protected too Fred. It's always worth paying extra every year to stop your premium going up too much when you have an occasional claim.

Mercdriver

fred246 wrote: »

I hope you've got the no claims discount on your home insurance protected too Fred. It's always worth paying extra every year to stop your premium going up too much when you have an occasional claim.

How many browsers do you have open? Makes posting under different aliases very easy and quick.


You aren't fooling anyone The Freds.

fred990

fred246 wrote: »

I hope you've got the no claims discount on your home insurance protected too Fred. It's always worth paying extra every year to stop your premium going up too much when you have an occasional claim.

We've never had anyone bash into the house and drive off, yet!
Sadly the same can't be said for parking in public places/a no fault claim.
It's a miniscule price to pay as part of a risk management strategy, hedging of sorts.

seatbeltnoob

of course it's a scam.

My insurance is £600 with 7 or 8 years NCD.

When I first started driving my insurance was £1000 on the first year.

They wanted me to get NC protection for an extra £200 a year.

I figured the money I would save by not buying the NC protection for all those years will far outweigh any premium increase I was to get in the event of an accident.

in any case, based on my drivining, I know Im far less like to be at fault in a RTC.

George_Michael

seatbeltnoob wrote: »

of course it's a scam.

My insurance is £600 with 7 or 8 years NCD.

When I first started driving my insurance was £1000 on the first year.

They wanted me to get NC protection for an extra £200 a year.

The only reason the extra for protected NCD would be if the insurers considered you a high risk.
My most recent policy renewal (with Hastings direct) was £358 with protected NCD and £342 without it so a difference of only £16 a year.
That's hardly what I would call a scam.

Although if the difference was £200 a year it's still not a scam as they are quoting figures and leaving it up to the customer to make a choice.

Mercdriver

seatbeltnoob wrote: »

of course it's a scam.

My insurance is £600 with 7 or 8 years NCD.

When I first started driving my insurance was £1000 on the first year.

They wanted me to get NC protection for an extra £200 a year.

I figured the money I would save by not buying the NC protection for all those years will far outweigh any premium increase I was to get in the event of an accident.

in any case, based on my drivining, I know Im far less like to be at fault in a RTC.

Hey Mr Expert Driver, what happens if the other driver is uninsured, or the insurance company disagrees with your assessment of your driving and decides you are partly at fault? What about a hit and run?

fred246

Never heard of anyone using divining to determine when they are going to have an accident. I thought it was normally used to search for water.

motorguy

fred246 wrote: »

Never heard of anyone using divining to determine when they are going to have an accident. I thought it was normally used to search for water.

You forgot to log off, log on again with your Fred990 ID and then congratulate yourself on being so hilarious.

Joe_Horner

motorguy wrote: »

You forgot to log off, log on again with your Fred990 ID and then congratulate yourself on being so hilarious.

I did point out the two-browser trick earlier. Sometimes I think I'm wasting my fingers...