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Author maximum number of NCB
willay
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Organiser: South East, National Events
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Registered: 10th Nov 02
Location: Roydon, Essex
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21st Jun 07 at 07:57   View Garage View User's Profile U2U Member Reply With Quote
hia,

I'm currently sitting on 5 years NCB, it seems the majority of insurers say 5 is the maximum, has anyone encountered an insurer that will give a further discount for 6-7 years?

For example when insuring with Direct Line, they ask if you have Five or More years NCB, I'm going to be shifting cars soon and will end up on an insurance policy paid for by my company who won't be using my NCB... the only reason I will keep my own personally policy active for the majority of this year will be to build more NCB.

If its not worth it, I may just save myself 400-500 quid and not have my own policy. Thoughts and opinions?
Jambo
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Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
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21st Jun 07 at 07:58   View User's Profile U2U Member Reply With Quote
elephant ask you how many you have IIRC

Ive got 6 too
willay
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Registered: 10th Nov 02
Location: Roydon, Essex
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21st Jun 07 at 08:00   View Garage View User's Profile U2U Member Reply With Quote
olld men unite, sup
topshot_2k
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Registered: 1st Dec 03
Location: Northampton Drives: Pug GTi-6
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21st Jun 07 at 08:03   View User's Profile U2U Member Reply With Quote
i thought 9 was the maximum, after that they normally say 9<
ed
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Registered: 10th Sep 03
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21st Jun 07 at 08:03   View User's Profile U2U Member Reply With Quote
There's Esure who only insure people with 5 or more years NCB right?
Cupra Steve
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Registered: 7th Nov 06
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21st Jun 07 at 08:03   View User's Profile U2U Member Reply With Quote
I think 5 years is maximum bonus and you can protect it?
topshot_2k
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Location: Northampton Drives: Pug GTi-6
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21st Jun 07 at 08:07   View User's Profile U2U Member Reply With Quote
but i had 5 last year, and on my dads his NCB = 9+ Protected
mav
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Registered: 19th Jun 01
Location: Scotland
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21st Jun 07 at 08:10   View User's Profile U2U Member Reply With Quote
5 is the maximum you get on your account.that reduces payment.Anything after that is just numbers.....

missus used to work in car insurance.
willay
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Registered: 10th Nov 02
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21st Jun 07 at 08:15   View Garage View User's Profile U2U Member Reply With Quote
thanks mav, I now have the pleasure of paying to protect it too
mav
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Registered: 19th Jun 01
Location: Scotland
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21st Jun 07 at 08:17   View User's Profile U2U Member Reply With Quote
I need to do that too.....At renewal.......
_Allan_
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Registered: 24th Mar 04
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21st Jun 07 at 08:36   View User's Profile U2U Member Reply With Quote
It used to be 7 but they've reduced it across the board. Yes 5 is the maximum but more years can get you a very small discount with a minority of companies.

[Edited on 21-06-2007 by _Allan_]
CorsaClaire
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Registered: 19th Jun 07
Location: Stanford-le-Hope, Essex
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21st Jun 07 at 08:36   View User's Profile U2U Member Reply With Quote
Some insurance companies protect after 4 years!

I know mine does. (Something I gotta do next year when I finally reach it!)
Ecosse Sport
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Registered: 5th Jun 02
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21st Jun 07 at 08:37   View User's Profile U2U Member Reply With Quote
I've got 9 years and I've just renewed with admiral.
Colin
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Registered: 4th Apr 02
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21st Jun 07 at 10:40   View User's Profile U2U Member Reply With Quote
Im on 5 years now - protected!

iirc you have to keep it going & if you dont use it for so many years you loose your ncd entitlement?
_Allan_
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Registered: 24th Mar 04
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21st Jun 07 at 10:46   View User's Profile U2U Member Reply With Quote
No continuous cover for 2 years and you loose the lot.
MarkM
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Registered: 11th Apr 01
Location: Liverpool
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21st Jun 07 at 10:49   View User's Profile U2U Member Reply With Quote
Im on 6 years now...protected...had 1 theft claim but obviously didnt lose my NCD as it was protected...

Your allowed 2 at fault claims in 2 or 3 years I think..
topshot_2k
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Registered: 1st Dec 03
Location: Northampton Drives: Pug GTi-6
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21st Jun 07 at 10:50   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by MarkM
Im on 6 years now...protected...had 1 theft claim but obviously didnt lose my NCD as it was protected...

Your allowed 2 at fault claims in 2 or 3 years I think..



3 with adrian flux
MarkM
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Registered: 11th Apr 01
Location: Liverpool
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21st Jun 07 at 11:00   View User's Profile U2U Member Reply With Quote
Wonder if its a rolling 3 years or not?
Cosmo
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Registered: 29th Mar 01
Location: Im the real one!
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21st Jun 07 at 11:16   View User's Profile U2U Member Reply With Quote
I need to ring up my insurance and make sure mine is protected, got 4yr now (5 soon).
FasT09
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Registered: 4th Feb 05
Location: North Yorkshire
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21st Jun 07 at 11:31   View User's Profile U2U Member Reply With Quote
I have 3 yrs and will have 4 years in november. Is it from 4 where you can protect?
mav
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Registered: 19th Jun 01
Location: Scotland
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21st Jun 07 at 13:08   View User's Profile U2U Member Reply With Quote
Most places are 5 years then you can protect but some do it at 4.
topshot_2k
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Registered: 1st Dec 03
Location: Northampton Drives: Pug GTi-6
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21st Jun 07 at 13:10   View User's Profile U2U Member Reply With Quote
adrian flux allowed me to protect mine at 4 years.
Cosmo
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Registered: 29th Mar 01
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21st Jun 07 at 13:14   View User's Profile U2U Member Reply With Quote
4 is the norm from what Ive always seen.

 
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