losing ncb
#1
losing ncb
I sold my daily driver around two years ago,i had full ncb,im just wondering am I going to lose it because of the two year break? ive still been using my van but guess it will not count with it being commercial??
was just looking to buy a cheap car to maintain my ncb if need be.
was just looking to buy a cheap car to maintain my ncb if need be.
#2
Advanced PassionFord User
I sold my daily driver around two years ago,i had full ncb,im just wondering am I going to lose it because of the two year break? ive still been using my van but guess it will not count with it being commercial??
was just looking to buy a cheap car to maintain my ncb if need be.
was just looking to buy a cheap car to maintain my ncb if need be.
#5
PassionFord Post Whore!!
#7
I sold my daily driver around two years ago,i had full ncb,im just wondering am I going to lose it because of the two year break? ive still been using my van but guess it will not count with it being commercial??
was just looking to buy a cheap car to maintain my ncb if need be.
was just looking to buy a cheap car to maintain my ncb if need be.
Just to let you know that we have some insurance schemes that can use NCB that is up to 3 years old. If you need any help with a quotation then please feel free to drop me a line.
Regards.
Dan.
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#8
14000+ post superhero
I lost mine after about 3 or 4 years of driving a company car without accident. I told hastings and they said theyed take it into account and its possible they did after getting a Ł288 quote on my little amg merc for fully comp on 0 no claims and 3 speeding points . I don't imagine I could have got it much cheaper.
#10
Happily retired
5 years ive not made a claim since July 1964. Im on the 2 year rule at the mo so will insure just to keep my ncb. Thems the rules would be nice if insurance companies were a Charity but they are a business & as such must maximise there profits same as you try to do.
#11
Happily retired
Im with your lot & I was told after 2 years ive lost my ncb. Its about 18 months since I suspended cover whats your advice. Cheers Rod
#13
Happily retired
Good idea if you have 50k to spare when you start driving.
#14
I had this problem a couple of years ago when I had not insured for over two years and I had 9 years ncb. After a lot of searching I ended up reinsuring with the co-op as they let you have a three year lapse. Of course I had to accept there quote, but actually it wasn't that bad, and as I could keep all of that ncb, it was a bargain. So you could try them.
#15
Resident Wrestling Legend
iTrader: (3)
hows that then rod?
i pay a premium, i don't claim, and after one year i'm expected to pay a greater premium in some cases "because that's the way the industry is going"
hang on a minute, you've used my money for someone else and now it's my fault you don't have enough and i've got to pay more?
i go and buy a tv, i take out the extended warranty on it, which includes accidental damage, i don't claim on it for 5 years, i get my money back
or i do claim on it, and the next time i'm asked to pay more
my last "fault" accident happened so long ago i'm not even sure what year it was, 95 or 96, after that i've been hit three times, once in 97 by an old boy who reversed out of his drive into my car while i was waiting in traffic, once in 06 from behind while slowing for a set of light and once just the other week by a drunk driver while i was at a bus stop, yet because my last "accident" has happened within the past 5 years, some insurance companies are going to say that puts me at a higher risk of having an accident
i know this post isn't going to change the way insurance works but after paying out so much money over the years and seeing no return, i could have bought a house
i pay a premium, i don't claim, and after one year i'm expected to pay a greater premium in some cases "because that's the way the industry is going"
hang on a minute, you've used my money for someone else and now it's my fault you don't have enough and i've got to pay more?
i go and buy a tv, i take out the extended warranty on it, which includes accidental damage, i don't claim on it for 5 years, i get my money back
or i do claim on it, and the next time i'm asked to pay more
my last "fault" accident happened so long ago i'm not even sure what year it was, 95 or 96, after that i've been hit three times, once in 97 by an old boy who reversed out of his drive into my car while i was waiting in traffic, once in 06 from behind while slowing for a set of light and once just the other week by a drunk driver while i was at a bus stop, yet because my last "accident" has happened within the past 5 years, some insurance companies are going to say that puts me at a higher risk of having an accident
i know this post isn't going to change the way insurance works but after paying out so much money over the years and seeing no return, i could have bought a house
#16
Happily retired
Dojj My first insurance was Ł8 a year back in 1962 according to you that's it for me. If tomorrow I bump in to a Bugatti Veyron & he then ploughs into a row of Children killing them all & its my fault they will pay out under your great rules. Who pays the Millions of pounds claim. We collectively pay it that's the way it works or are you prepared to sell your house when you have your next crash. You pay for a risk each year & as I said the Motor Insurance Charity has not arrived yet they don't have a money tree to pay claims from Dojj we all pay.
#17
Resident Wrestling Legend
iTrader: (3)
I think you are being intentionally awkward rod
Insure for a set term, in motoring, it's a year
Any changes would mean an increase or decrease in the premium
When the renewal comes around, if you've not had any claims there would be a nominal fee to continue, using your original money that you paid in the first place
And if you've had a claim it would go up based on the claim
The way it is done now is to enable the most amount of people to be paying in with a limited amount of outgoings, whereas if it were done the way it should be fine there would be fold out there who would never be able to afford it and there would be less people in the road
But of course that would mean less cars in the road, less money going into motoring and less money for everyone
The plus side would be pollution decreasing and less risk to both driver and pedestrians and everything that goes with it
Insure for a set term, in motoring, it's a year
Any changes would mean an increase or decrease in the premium
When the renewal comes around, if you've not had any claims there would be a nominal fee to continue, using your original money that you paid in the first place
And if you've had a claim it would go up based on the claim
The way it is done now is to enable the most amount of people to be paying in with a limited amount of outgoings, whereas if it were done the way it should be fine there would be fold out there who would never be able to afford it and there would be less people in the road
But of course that would mean less cars in the road, less money going into motoring and less money for everyone
The plus side would be pollution decreasing and less risk to both driver and pedestrians and everything that goes with it
#18
If you wanted to PM me your details I'd be happy to take a look at it for you.
Whilst we do have some schemes that will accept NCB up to 3 years old not all of them will.
Regards,
Dan.
#19
cossie fan (unluckerly)
I have two lots of full no claims on 2 separate policy's. Also have full no claims on my bike insurance policy. If I quit one of them policy's after two years I'd loose the ncb. Even though I'd still have 2 other lots of full ncb I'd be classed as not able to use the lost ncb anymore as id be a risk lol total ripe off ncb. If you have a few cars your ncb should count on all
Last edited by ajamesc; 19-11-2015 at 07:21 PM.
#21
cossie fan (unluckerly)
You can use bike on a car but not car on a bike. Some companies will give a big discount if you have full car ncb. Bikes are a lot harder to ride so I guess that's why there not take car ncb as road experience while insuring a bike
Last edited by ajamesc; 19-11-2015 at 08:42 PM.
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