Classic Insurers that use NCB
- Thread starter 944Scott
- Start date
pauljmcnulty
Active member
Are you saying the 944 is the only car you have, so need the NCB on it?
Most classic policies are designed for second cars, so won't be of any use. Most ordinary policies are designed for ordinary cars, and the insured value will be laughable if you need to claim.
I'd talk to some good brokers to get their advice.
Most classic policies are designed for second cars, so won't be of any use. Most ordinary policies are designed for ordinary cars, and the insured value will be laughable if you need to claim.
I'd talk to some good brokers to get their advice.
This is the very reason I am changing mine over to agreed value classic policy as soon as my PCGB valuation comes back, hopefully this week.
That will then raise the problem that I will have a spare batch of full NCB floating so there's only one thing for it, buy another car to use it on [
]Cheers, Paul
Joss Walker
New member
I think that the NCB stays alive for 3 years when not used on a car, therefore could you alternate each year with your wife's car? one year in her name and one year in yours?
Of course these ideas are the equivalent of 'pub talk' so I would check with the insurer of course
Of course these ideas are the equivalent of 'pub talk' so I would check with the insurer of course
Joss, its two years that you can sit on NCB, my wife has a car that she uses her full NCB on and I have another car that has a policy on collecting NCB, I also have two motorcycle policies collecting NCB, the insurance companies must love me ....[]
Cheers, Paul
]Cheers, Paul
pauljmcnulty
Active member
One thing to remember is that insurers are desperate for business, particularly the large companies. Their initial discounts can be crazy, but they rely on the fact that most people don't move for years.
Assuming you've got a NCD, and you can declare that you haven't had any accidents or claims, you should be able to get it back even after a break. From memory I got something like 40% discount on my first commercial policy, despite not having owned a van before, just by asking nicely. []
Assuming you've got a NCD, and you can declare that you haven't had any accidents or claims, you should be able to get it back even after a break. From memory I got something like 40% discount on my first commercial policy, despite not having owned a van before, just by asking nicely. [
]
Up to a few months back I had seven bikes, all classic Kawasakis, I decided to thin the fleet and I've just sold another which leaves me just the one, a ZRX1200R.
I do know someone who within the last couple of weeks lost their NCB that had lapsed only by about 2 month [
]Cheers, Paul
944 man
Active member
Oh Man!
I havent read that and I specifically avoided further mentioning the company or my opinion of them, because Id be here all night. They do offer to keep your proof of NCB / renewal letter and issue a a new replacement when you leave them, though, so they keep your accried NCB intact.
I havent read that and I specifically avoided further mentioning the company or my opinion of them, because Id be here all night. They do offer to keep your proof of NCB / renewal letter and issue a a new replacement when you leave them, though, so they keep your accried NCB intact.
dirtydirtyharry
New member
I took out classic insurance through Adrian flux who got me a 5000 mile policy on my lux for £136 a year (including breakdown cover). Its with a company called kinetic. []
The only problem is that I realised the other day that I did not have NCB protection on the policy (I currently have 9 years).
I wanted it protecting so I rang Adrian flux but the fella said that because the policy had already started I could not add it on subsequently. [:'(]
It got me wondering about cancelling the policy and then signing up again but not sure if there is a major consequence of doing so.
]The only problem is that I realised the other day that I did not have NCB protection on the policy (I currently have 9 years).
I wanted it protecting so I rang Adrian flux but the fella said that because the policy had already started I could not add it on subsequently. [:'(]
It got me wondering about cancelling the policy and then signing up again but not sure if there is a major consequence of doing so.
3.2_fordy
Moderator
A good number of years ago I was told by a broker that the no claims protection was not worth having because they get you all ways when you claim by just putting the next year up again and again and if you move you have to declare that you had a accident so it gos up again , so have never had so saving me money in the long run
944 man
Active member
The consequence will be that AF will keep nearly all of your premium. Their reputation isnt enviable - they even have a staff member who trawls the internet looking for posts on forums where people recount the experiences with AF ripping them off and f***ing them over.
I could talk all evening about Sureterm, but theyve got nothing on AF.
I could talk all evening about Sureterm, but theyve got nothing on AF.
Posts made and opinions expressed are those of the individual forum members
Use of the Forum is subject to the Terms and Conditions
