No claims bonus...

P_is_for_Paul · 21-04-2009, 07:23 PM

Up until June last year i had 5 years NCB, then i was banned for a year. Question is, when i insure a car in June again this year after my bans up, will i still have 5 years no claims bonus?

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matts1 · 21-04-2009, 09:12 PM

not sure mate, you insuring an S1?

If so, call Paul B at Need2insure, he will make you a happy man!!

paulb · 21-04-2009, 09:20 PM

Quote:

Originally Posted by s1_turbo

Up until June last year i had 5 years NCB, then i was banned for a year. Question is, when i insure a car in June again this year after my bans up, will i still have 5 years no claims bonus?

NCB is valid for 2 years before it becomes void.

TrevCos · 23-04-2009, 11:59 AM

Quote:

Originally Posted by paulb

NCB is valid for 2 years before it becomes void.

Yes, as Paul said. Although I guess the ban will count against you when you come to renew.

saphcosmike · 23-04-2009, 12:04 PM

Did you cancel the policy?

You have 2 years lying before you loose it. Also you have to declare your ban up to 5 years after it's spent.

I got banned for 7 days and the insurance companies can only put in minimum of 28 days.

P_is_for_Paul · 23-04-2009, 12:26 PM

Quote:

Originally Posted by TrevCos

Yes, as Paul said. Although I guess the ban will count against you when you come to renew.

Going off quotes ive had its not overly bad if i can keep my 5 years no claims. Im 24. For a focus rs im looking about £650 and for an rs turbo again im looking at £450. Without the no claims however the focus is £1900 and the escort £1700

Fuck that. I paid £1700 for insurance for an rs turbo when i was 18 and daft, im no doin that again

saphcosmike, my policy was about to end so i let it run. When they phoned me to renew i told them i was banned. My insurance was with elephant but now when i try and get a quote with them they wont allow a driver with my convictions. It wouldnt be a problem getting proof of the no claims with them for another insurance company will it?

Wooddemon · 02-07-2009, 02:44 PM

Hi read your post and wondered if you managed to use your no claims bonus as i've been banned for 1 and a half yr and due my licence back the start of august and had 4 yrs no claims protected before hand, i've put my ban and points into a comparison sight with my 4yrs no claims protected and the price isn't as bad as it would be putting none no claims, just got that feeling they going to say they are void because of the ban, help anyone pls

Chris...

P_is_for_Paul · 02-07-2009, 03:02 PM

I should find out within the next week or so mate. Hopefully buyin a car tonight

Wooddemon · 02-07-2009, 04:03 PM

I bought mine about 4 wks ago, whatever it is i'll have to pay it like as i need it to get back into my line of work, got to pass a medical first in 2 wks which i know i'll fly through, on the comparison sight's if the no claims don't apply any longer i'm sure it should come up error when you put your disqualification and no claims bonuses, with its going to be £460 which is what i was paying 8 yr ago, and without its round the £1000 mark, never heard of anyone getting it that cheap after a ban, just hope i'm wrong for both out sakes,

Chris...

Wooddemon · 10-07-2009, 08:53 AM

Any joy with your insurance mate??

P_is_for_Paul · 10-07-2009, 09:01 AM

Didn't get the car I looked at. Going to see one this weekend in Aberdeen though!

Wooddemon · 10-07-2009, 10:21 AM

OK let me know how it goes when you do pls, got my medical on tuesday, not sure how long it takes for the results to come back, cheapest quote so far with no claims is 400, without is 900, not looking forward to the outcome ha

Wooddemon · 20-07-2009, 06:51 PM

Have you took any insurance out yet mate and what was the outcome? cheers..

Tony @ Greenlight · 21-07-2009, 08:59 AM

Hi Guys,

Just to let you know, with most Insurers your NCB is valid for 2 years since the date your last policy expired.

If your expiry (cancellation/renewal) date of your last policy is within 2 years of when the cover is required it's likely that most companies will accept it.

Presumably the comparison site will either ask you when your last policy expired, or make an assumption in this regard. Which should be listed upon their site somewhere or your application.

Failing this, click through to check the respective Insurer/broker's deal, then call them to clarify.

Kind regards

Tony

Wooddemon · 21-07-2009, 09:10 AM

Cheers for the info, hope this is correct as only 2wks 2days to go woohoo providing my blood results come back ok which they should..

fuzzy232 · 25-07-2009, 12:35 PM

Quote:

Originally Posted by P_is_for_Paul

Going off quotes ive had its not overly bad if i can keep my 5 years no claims. Im 24. For a focus rs im looking about £650 and for an rs turbo again im looking at £450. Without the no claims however the focus is £1900 and the escort £1700

Fuck that. I paid £1700 for insurance for an rs turbo when i was 18 and daft, im no doin that again

saphcosmike, my policy was about to end so i let it run. When they phoned me to renew i told them i was banned. My insurance was with elephant but now when i try and get a quote with them they wont allow a driver with my convictions. It wouldnt be a problem getting proof of the no claims with them for another insurance company will it?

im paying like 1600 for a 1.3 fiesta lol. The worst part of being a new driver... 2 months till my 1 yncb though

21-04-2009, 09:12 PM	#2
matts1 PassionFord Post Whore!! Garage is empty, add now Trader Score: (0) Join Date: Apr 2004 Posts: 7,386 Rep Power: 15	not sure mate, you insuring an S1? If so, call Paul B at Need2insure, he will make you a happy man!! __________________

02-07-2009, 03:02 PM	#8
P_is_for_Paul Coldo loves seamen Garage is empty, add now Trader Score: (0) Join Date: May 2004 Location: Ayrshire Posts: 2,512 Rep Power: 10	I should find out within the next week or so mate. Hopefully buyin a car tonight __________________ THE DREAM TEAM. One down, four to go! PS3 Gamertag: P33ULC

10-07-2009, 09:01 AM	#11
P_is_for_Paul Coldo loves seamen Garage is empty, add now Trader Score: (0) Join Date: May 2004 Location: Ayrshire Posts: 2,512 Rep Power: 10	Didn't get the car I looked at. Going to see one this weekend in Aberdeen though! __________________ THE DREAM TEAM. One down, four to go! PS3 Gamertag: P33ULC

21-07-2009, 08:59 AM	#14
Tony @ Greenlight Too many posts.. I need a life!! Garage is empty, add now Trader Score: (0) Join Date: Sep 2004 Location: Brentwood, Essex Posts: 696 Rep Power: 8	Hi Guys, Just to let you know, with most Insurers your NCB is valid for 2 years since the date your last policy expired. If your expiry (cancellation/renewal) date of your last policy is within 2 years of when the cover is required it's likely that most companies will accept it. Presumably the comparison site will either ask you when your last policy expired, or make an assumption in this regard. Which should be listed upon their site somewhere or your application. Failing this, click through to check the respective Insurer/broker's deal, then call them to clarify. Kind regards Tony __________________ Visit www.greenlightinsurance.co.uk or call us on 01277 376000 for more detail and a free no obligation quotation Covering Performance & modified cars since 1996. Track cover option available, like for like replacement of modified parts under modified car schemes, agreed valuations available Schemes available for Ford (and non-ford) Performance, Modified, Classic and Custom (modified retro) cars.

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23-04-2009, 12:04 PM	#5
saphcosmike Advanced PassionFord User Garage is empty, add now Trader Score: (0) Join Date: Aug 2007 Location: Tyne and Wear Posts: 2,157 Rep Power: 7	Did you cancel the policy? You have 2 years lying before you loose it. Also you have to declare your ban up to 5 years after it's spent. I got banned for 7 days and the insurance companies can only put in minimum of 28 days.

02-07-2009, 02:44 PM	#7
Wooddemon Virgin Garage is empty, add now Trader Score: (0) Join Date: Jul 2009 Location: Newcastle Upon Tyne Posts: 8 Rep Power: 0	Hi read your post and wondered if you managed to use your no claims bonus as i've been banned for 1 and a half yr and due my licence back the start of august and had 4 yrs no claims protected before hand, i've put my ban and points into a comparison sight with my 4yrs no claims protected and the price isn't as bad as it would be putting none no claims, just got that feeling they going to say they are void because of the ban, help anyone pls Chris...

02-07-2009, 04:03 PM	#9
Wooddemon Virgin Garage is empty, add now Trader Score: (0) Join Date: Jul 2009 Location: Newcastle Upon Tyne Posts: 8 Rep Power: 0	I bought mine about 4 wks ago, whatever it is i'll have to pay it like as i need it to get back into my line of work, got to pass a medical first in 2 wks which i know i'll fly through, on the comparison sight's if the no claims don't apply any longer i'm sure it should come up error when you put your disqualification and no claims bonuses, with its going to be £460 which is what i was paying 8 yr ago, and without its round the £1000 mark, never heard of anyone getting it that cheap after a ban, just hope i'm wrong for both out sakes, Chris...

10-07-2009, 08:53 AM	#10
Wooddemon Virgin Garage is empty, add now Trader Score: (0) Join Date: Jul 2009 Location: Newcastle Upon Tyne Posts: 8 Rep Power: 0	Any joy with your insurance mate??

10-07-2009, 10:21 AM	#12
Wooddemon Virgin Garage is empty, add now Trader Score: (0) Join Date: Jul 2009 Location: Newcastle Upon Tyne Posts: 8 Rep Power: 0	OK let me know how it goes when you do pls, got my medical on tuesday, not sure how long it takes for the results to come back, cheapest quote so far with no claims is 400, without is 900, not looking forward to the outcome ha

20-07-2009, 06:51 PM	#13
Wooddemon Virgin Garage is empty, add now Trader Score: (0) Join Date: Jul 2009 Location: Newcastle Upon Tyne Posts: 8 Rep Power: 0	Have you took any insurance out yet mate and what was the outcome? cheers..

21-07-2009, 09:10 AM	#15
Wooddemon Virgin Garage is empty, add now Trader Score: (0) Join Date: Jul 2009 Location: Newcastle Upon Tyne Posts: 8 Rep Power: 0	Cheers for the info, hope this is correct as only 2wks 2days to go woohoo providing my blood results come back ok which they should..

25-07-2009, 12:35 PM
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