paceo

iTrader: (5)

did you know that if you havent had a car insured for more than 2 years, you loose the no claims you have earned! phoning around for the fiesta rst and got told i cant use my no claims as its been uninsured for more than 2 years now! how unfar, i have earnt no claims and we should be entitled to keep them!

Physio

Yes I did know, & no it's not fair

smudge_lad

it used to be just one year, my mum and dad used to swap who insured the car every year so they both kept their no claims

Oranoco

Yes I did know that and that is why the runabout gets swapped over between the wife and I so we keep both lots of 7+ years NCB

dojj

iTrader: (3)

i've been doing that with my dad and mine's policies
one year one, and the other year the other

but did you know what's mroe unfair than that?

it's them companies that offer ncb on the named drivers who can only actually use that ncb if they insure with the same company

how fucked up is that~?

paceo

iTrader: (5)

load of bollocks, on my focus i have 5 years but my policy expires in november. can i take the 5 years off the focus and put them on the fiesta rs now?

dojj

iTrader: (3)

nope, it's full years they coulnd not partial

it's the same scam as they pull when they give you a years discount after 10 monhts, only applicaable if you are using the same insurance company, who then stiff you for even more and do the opposite and charge you for 12 months when they are only giving you 10 mnths worht of cover

C4llyT

Every 10 months you get to a lower premium as opposed to 12 months, if you stick with them for a few years does work out ok.
6 years no claims could be taken elsewhere and used as 5, so no big deal there.

dojj

iTrader: (3)

but other companies don't accept it as a full condition, i asked and they said they didn't so i didn't bother with this bonus accelerator stuff

if you can find another company then fair enough, but i don't think you will

besides, i've got paperwork to proove i've got x amount % of no claims so thats what i use

Thrush

iTrader: (1)

Tell me about it - I've had a company van now for 2yrs and don't own a car - when I get a car if I leave my job, I don't get to use the three years NCB I built up, so it's as hard for me to insure a 1.1 Fiesta at 26yrs old than it is for a person of the same age to insure a Saff Cos, when they have full NCB

dojj

iTrader: (3)

liverpool victoria sorted mine out, all they wanted was a letter from the transport manager to say i didn't have any accidents and sorted, instant 4 eyars no claims in the bag

Thrush

iTrader: (1)

Not gonna work for me then - had an accident last year

Lee Ivatt

iTrader: (1)

well with my landrover for work the Golf gt tdi as the misses& my general weekend car, and my escort cos. im going to be paying £3200 for one year. I have 4 years NCBS (well 6 actually but the bastards never sent me the 1st 2 letters so no proof!!) i am 24 though!

Your F*%ked either way. pay through the nose, if you dont make a claim you have only paid the money to "stay legal" and the insurance company pocket the cash, If you make a claim you loose youe ncb and they still sting you with an excess and higher premium the next year.

YOU CANT WIN

Saying that though i do understand why insurance is needed and why its so expensive, due to the amount of pricks who think they are the next Mc Rae or are to dopey to be near a car!

Anyway rant over. simple answer is they got us over a barrel.

dojj

iTrader: (3)

Thrush

you are then fucked me thinks

Lee Ivatt

iTrader: (1)

transport minister? is that a government thing? who do you write to? as id like to try and retrive proof of my other 2 ncb's?

Big G

Ring Adrian Flux.
When I was doing cabbying I didnt have a private car for 2 years, as my taxi insurance was on the weekly I had no discount to carry over,
Ringing round nobody would accept my taxi insurance and I was standing to lose 8 years NCB, then a call to Adrian Flux sorted it, they asked me to prove my NCB from 2 years previous and voila,
I paid a little more on my premium for that year but hey, saved me 8 years NCB so I was very happy.

dojj

iTrader: (3)

or fleet manager, or someone who works in the office who can write you a letter stating you haven't had any accidents while working with the company

if you don't have and ncb protection, a fault accident fucks you for 2 years worth of it, now that's unfair

Lee Ivatt

iTrader: (1)

oh looks like in fookd then as im self employed. do you think if i wrote a letter to my self saying i had no accidends it would work .

Oh well it all sucks, but atleast i get to drive my es cos after all the expenses

dojj

iTrader: (3)

surely you have an insurance company that deals with your vehicle insurance?
ask them

Lee Ivatt

iTrader: (1)

i have done many times, "yeh yeh mate we'll send out the letter"
after asking like 10 times i feel a bit of a moaning old fart!
Its not an issue at the moment as my fleet policy does not take into account ncb's when price is concerned as its a business.
but i will want them back when i change in future.

Red16

send them a letter via recorded delivery asking them to send it out, that way they cant simply ignore what youre asking them to do. all too easy to fob you off down the phone.