You guys make hard work of insurance. Tell them you have xx years in another car and they will grant you an introductory NCD.
Buying a runaround - How to insure?
- Thread starter Maniac
- Start date
Bing said:
My insurance accepted a letter from my employer and gave me full NCB for that period
I've just done exactly this with a Smart car which we've bought as an incremental car so no NCB to use with it. This is the process I used:
1). Did a compare the meerkat for the Smart with full NCB and it was £121 Fully Comp
2). Contacted both current insurers, Saga and Admiral and asked if they would mirror the NCB on the Smart. Saga said yes and quoted £221. Admiral said no but would set up a multi car policy for both. I wouldn't touch multi car with a barge pole so declined.
3). Went to A-Plan with the info and they found a company, ABC which is part of LV, who would partly mirror and quoted £170.
4). Gave Saga the opportunity to compete, which they declined so went with A-Plan.
As an aside I found A-Plan excellent to deal with so would thoroughly recommend them. This was their Tunbridge Wells branch which is closest to me.
1). Did a compare the meerkat for the Smart with full NCB and it was £121 Fully Comp
2). Contacted both current insurers, Saga and Admiral and asked if they would mirror the NCB on the Smart. Saga said yes and quoted £221. Admiral said no but would set up a multi car policy for both. I wouldn't touch multi car with a barge pole so declined.
3). Went to A-Plan with the info and they found a company, ABC which is part of LV, who would partly mirror and quoted £170.
4). Gave Saga the opportunity to compete, which they declined so went with A-Plan.
As an aside I found A-Plan excellent to deal with so would thoroughly recommend them. This was their Tunbridge Wells branch which is closest to me.
marchantsuk said:
Yeah, I know... I babied my ST for three years with this in mind, but 7 mths before I got my Z I ran over a half brick kicked into my lane by a truck in front, wrecked the alloy and my stupid feckin' employer put it through as an insurance claim rather than just forking out for a new alloy. No fault claim = no letter
Maniac said:
I've 14 years or something against my z4 and 3 years against my clio, so guess it's car. if it was against the person you should be able to use it against any car. bit of a racket really when you think you can only drive one car at once.
admiral is cheapest for me.
JaEdBa said:
I'm not defending the insurers, but I have several cars insured and more than one is driven at a time by myself and named drivers.
If you have 2 cars and are the only driver, you can get discounts on the basis of only 1 being on the road at a time.
It's a bit of a con. You have to build up separate NCD's on each car you own but if you have a claim you have to disclose it to all insurers and so all your policies go up. Talk about cake and eating it!!