Colin
Member
Registered: 4th Apr 02
User status: Offline
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Why is it you can only use your ncb on a single policy (i.e. if you get a 2nd car you have to start that one from scratch) seem's silly 
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Cupra Steve
Banned
Registered: 7th Nov 06
User status: Offline
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never heard of that???? Can't you just add the second car to your existing policy??
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Jules S
Premium Member
Registered: 24th Dec 03
User status: Offline
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quote:
Originally posted by Cupra Steve
never heard of that???? Can't you just add the second car to your existing policy??
Nope.
Quite a few companies doing second car cover at discount now though 
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Colin
Member
Registered: 4th Apr 02
User status: Offline
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It seems so stupi & obviously only to make the insurer more money!! I have 5yrs ncb (proof I can drive my car without any accidents) so why the hell only on 1 car......makes me mad 
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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I've never understood this either.
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Colin
Member
Registered: 4th Apr 02
User status: Offline
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What if 
I have last years certificate lying here claiming I have 4yrs ncb, tell them I have that & send it off
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Racebod
Member
Registered: 26th Oct 06
Location: Clacton on Sea
User status: Offline
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If you had a claim and they investigated it you would be done for fraud
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Racebod
Member
Registered: 26th Oct 06
Location: Clacton on Sea
User status: Offline
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or I should say you could be
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Colin
Member
Registered: 4th Apr 02
User status: Offline
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I do have 4yrs ncb though..........certificate here to prove it
My insurance on my 1st car runs out in Jan & i'll have 5yrs which i'll just allow to roll over on renewal..........hows that fraud!?
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Cupra Steve
Banned
Registered: 7th Nov 06
User status: Offline
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quote:
Originally posted by Racebod
If you had a claim and they investigated it you would be done for fraud
worth the risk!!!
i read that a women was pulled over the other week, she has been driving for 31 years with no insurance, the pigs gave her a £250 fine. that makes me furious and it's why kids don't bother with getting insurance, oh no a £250 fine, i nearly pay that a fucking month!!!!!!!
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ed
Member
Registered: 10th Sep 03
User status: Offline
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Insurance is a scam because you have to have it. Insurance companies seem to be able to do whatever the hell they want It's like with the AA, how can my insurance price go up £400 even though I am a year older and my car is the same and I have got anothers years no claims. Wierd.
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Colin
Member
Registered: 4th Apr 02
User status: Offline
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Its about as camp as a row of tents!!!
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Colin
Member
Registered: 4th Apr 02
User status: Offline
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Does anyone work in insurance...do they keep ncb records on file/computer
I dont see the problem........its not like im lying that ive got 4 or 5 yrs ncb when ive actually only got 1yrs or something
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Jules S
Premium Member
Registered: 24th Dec 03
User status: Offline
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I naively said the the same thing thing when I enquired...something along the lines of 'I cant be driving both cars at the same time so why the massive hike'
Unfortunately your car/second car is more at risk when its parked up.
Fact of life I guess
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Racebod
Member
Registered: 26th Oct 06
Location: Clacton on Sea
User status: Offline
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It's fraud because Insurance is done on up most good faith and that unless they have agreed for you to use the bonus on that vehicle aswell the other vehicle like on some policies that are out there. you have not earnt bnus on that car hence your lying hence it's fraud also if you put down on the proposal form that you own another car sometimes they ask for the other reg no. and then they will see that reg is the same. Then again they may not and you'll get away with it.
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ed
Member
Registered: 10th Sep 03
User status: Offline
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Even if it is nicely locked away under a cover in a workshop Yes, insurance is rubbish.
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Racebod
Member
Registered: 26th Oct 06
Location: Clacton on Sea
User status: Offline
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I've worked in Insurance for 12yrs some do some don't
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Fee
Member
Registered: 16th Nov 05
Location: With AK
User status: Offline
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I didnt get this either when I had two cars insured
you have 5 years proof of no claims....not 5 years no claims on a specific car
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Racebod
Member
Registered: 26th Oct 06
Location: Clacton on Sea
User status: Offline
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It makes me mad to Cupra steve. Just cos i'm insurance does not mean I get a discount I still pay nearly a grand a year for two cars
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Colin
Member
Registered: 4th Apr 02
User status: Offline
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Fuck them, i'll send off my proof of no claims & if they have a problem with it i'll tell them to faaaaaaaaaark off & cancel my payment!! 
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Racebod
Member
Registered: 26th Oct 06
Location: Clacton on Sea
User status: Offline
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Fair enough
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Colin
Member
Registered: 4th Apr 02
User status: Offline
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What company do you work for???
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Racebod
Member
Registered: 26th Oct 06
Location: Clacton on Sea
User status: Offline
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I work for a commercial Broker now but i used to work for NU and other big companies.
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Cupra Steve
Banned
Registered: 7th Nov 06
User status: Offline
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quote:
Originally posted by Racebod
It makes me mad to Cupra steve. Just cos i'm insurance does not mean I get a discount I still pay nearly a grand a year for two cars
I got so angry, I'll admit i'm no angel but i pay my bills/debts/fines then you get a silly bint that has probably used that 2 grand a year to go and sun herself in spain 5 times a year!!!!!! I couldn't work for an insurance company, would be against my morals!!!!!!!!
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mav
Member
Registered: 19th Jun 01
Location: Scotland
User status: Offline
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quote:
Originally posted by Colin
Does anyone work in insurance...do they keep ncb records on file/computer
I dont see the problem........its not like im lying that ive got 4 or 5 yrs ncb when ive actually only got 1yrs or something
my missus used to be manager for Swinton Insurance I can ask her tomorrow if you like.
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