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(Post Link) post #1 of 17 Old 17-07-08 Thread Starter
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No Claims really a Bonus?

I have maximum no claims bonus with my current insurer (5+ years) so have been merrily calling and looking online for insurance quotes for my pending new purchase - a 147 GTA.

With max. no claims (and a garage, safe postcode, low miles per year and no commuting) the premiums have been coming out pretty good but when I called my current insurer (More Than) and told them I'd be keeping my current car (well, van is a closer description) they said the NCB wouldn't be shared and I'd be starting any second car I buy on zero NCB

Is this right? I know NCB applies to the policy (as opposed to the person who owns the policy) but surely insuring a second car an insurer would take into account maximum NCB on an existing policy?
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Re: No Claims really a Bonus?

Quote:
Originally Posted by Wonderwall View Post
I have maximum no claims bonus with my current insurer (5+ years) so have been merrily calling and looking online for insurance quotes for my pending new purchase - a 147 GTA.

With max. no claims (and a garage, safe postcode, low miles per year and no commuting) the premiums have been coming out pretty good but when I called my current insurer (More Than) and told them I'd be keeping my current car (well, van is a closer description) they said the NCB wouldn't be shared and I'd be starting any second car I buy on zero NCB

Is this right? I know NCB applies to the policy (as opposed to the person who owns the policy) but surely insuring a second car an insurer would take into account maximum NCB on an existing policy?
Its right I am afraid - NCB can only be taken into account on one policy at a time!
You would be better off using the NCB on the GTA and having none on the van
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Re: No Claims really a Bonus?

Yup - correct. I was gutted when I found out as I'm insuring 2 cars now and the GTV is starting at zero. Pretty much doubling what I was hoping to pay. I managed to get my current insurer, Admiral, to apply a 2 years NCB discount as an incentive for me to start a multicar policy with them so prolly worth trying something similar.
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Re: No Claims really a Bonus?

Also my experience. Another technique is to find an insurer who will give an introductory NCB on all new policies. Don't know who might do it for a GTA though!
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Re: No Claims really a Bonus?

The advantage of having to car is if any thing should go wrong and you need to make a claim you can move the second no claims bouns to the more exspencive car.

Cheers Stuart
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Re: No Claims really a Bonus?

Yep, had to build up 2 no claims myself !!
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(Post Link) post #7 of 17 Old 17-07-08 Thread Starter
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Re: No Claims really a Bonus?

Quote:
Originally Posted by stu_the_flat View Post
The advantage of having two cars is if any thing should go wrong and you need to make a claim you can move the second no claims bouns to the more exspencive car.
Ooh, top tip.

As things turned out, More Than agreed to duplicate my NCB from my exiting policy so my pending GTA is gonna be pretty reasonable to insure
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Re: No Claims really a Bonus?

My current insurers are allowing me to have my max NCB on my new car as well as on the existing policy....
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Re: No Claims really a Bonus?

Wow - nice. Admiral were not interested in doing that. Might have to do some more shopping around next year for alternative multicar policies...

Edit: Hey Dark, who are you insured with if you don't mind me asking? That was not on the cards when I shopped around....
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Re: No Claims really a Bonus?

Swiftcover.com, also easily the cheapest quote I got including courtesy car, NCD protection and legal protection
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Re: No Claims really a Bonus?

Cheers. Will give them a try next year too
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Re: No Claims really a Bonus?

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Originally Posted by Wonderwall View Post
Ooh, top tip.

My pending GTA is gonna be pretty reasonable to insure
Define "reasonable".............
 
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Re: No Claims really a Bonus?

yeah more than are good for matching NCB, they even match to other people as well, i.e. wife has +5 years, they will match with +5 years for me etc...
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Re: No Claims really a Bonus?

will more than insure you, they didn't on my last car change!
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Re: No Claims really a Bonus?

hi all, dunno if this is relevant but not had my own car ins for last 5 yrs, direct line accepted my motorbike no claims discount...
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(Post Link) post #16 of 17 Old 18-07-08 Thread Starter
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Re: No Claims really a Bonus?

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Originally Posted by Rosso145 View Post
Define "reasonable"
About 400 quid/year
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Re: No Claims really a Bonus?

thats good :-)
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