DaNnY_LaD
Member
Registered: 30th Nov 05
Location: Walkden,Manchester
User status: Offline
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Ive been doin some reading on the net about NCB as When i was with Adrain flux i had 2 years NCB but i had a shunt and lost both years this is what they told me...But basically ive read that most insurers take away the year you've just Earnt...
So id have 1 NCB ?
Can someone clayerfly(sp) this...
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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You lose all the years as far as I know, unless you have protected no claims. that makes no difference anyway because you still have the declare the accident, subsequently making your premium higher anyway.
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Gareth
Member
Registered: 2nd Mar 00
Location: Derby, Drives: EVO VIII MR & pug 308
User status: Offline
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Even if you have them protected you can only have 2 claims in 5 years with some companys or 2 in 3 years. Not sure what happens if you have 3 claims maybe back to 3 years no claims or something...
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Toby
Premium Member
Registered: 29th Nov 05
User status: Offline
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quote:
Originally posted by Gareth John
Even if you have them protected you can only have 2 claims in 5 years with some companys or 2 in 3 years. Not sure what happens if you have 3 claims maybe back to 3 years no claims or something...
my mum can have as many accidents a as she wants a year and always have her no claims bonus, which sounds stupid but then when you have like 10 plus years i guess you deserve it really
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Ben G
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Registered: 12th Jan 07
Location: Essex
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surely her premium won't be that low if she keeps having crashes though. he premium would go up but she would have 10 years no claims.
which basically defeats the object tbh
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ssj_kakarot
Member
Registered: 29th Apr 03
Location: hartlepool
User status: Offline
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depends how many you have and who you are with, some insurers will only dock you a certain ammount of years, thats usually when you have a stupid high number though.
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Toby
Premium Member
Registered: 29th Nov 05
User status: Offline
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well yeh, but its still going to be cheaper than all those crashes without 10 years no claims if you get me plus she aint crashed so alls good
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Gareth
Member
Registered: 2nd Mar 00
Location: Derby, Drives: EVO VIII MR & pug 308
User status: Offline
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quote:
Originally posted by CorsaB4ever
quote:
Originally posted by Gareth John
Even if you have them protected you can only have 2 claims in 5 years with some companys or 2 in 3 years. Not sure what happens if you have 3 claims maybe back to 3 years no claims or something...
my mum can have as many accidents a as she wants a year and always have her no claims bonus, which sounds stupid but then when you have like 10 plus years i guess you deserve it really
I have 10 years no claims who is she insured with that will let her have unlimited claims?
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_Allan_
Member
Registered: 24th Mar 04
User status: Offline
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I think 7 is maximum your allowed these days. Any accident (unless protected) would drop you to 5. It's usually about 2 years per claim but as usual with the insurance lottery it depends on clauses of who your with.
I have 10 years no claims but have been driving for 5 
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waynep
Member
Registered: 20th Apr 02
Location: london
User status: Offline
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its a very touchy , loosley monitered subject really. no one has a real answer of how it "works" , it varies with diff companies and imo is a lot of crap ! and its messy for people who dont understand it
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Toby
Premium Member
Registered: 29th Nov 05
User status: Offline
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quote:
Originally posted by Gareth John
quote:
Originally posted by CorsaB4ever
quote:
Originally posted by Gareth John
Even if you have them protected you can only have 2 claims in 5 years with some companys or 2 in 3 years. Not sure what happens if you have 3 claims maybe back to 3 years no claims or something...
my mum can have as many accidents a as she wants a year and always have her no claims bonus, which sounds stupid but then when you have like 10 plus years i guess you deserve it really
I have 10 years no claims who is she insured with that will let her have unlimited claims?
thinks it is through halifax, i asked her other day, how much it was to protect her no claims she said summet and i asked if she could claim twiuce a year and she said it says in her documents she can make unlimited claims as shes hasnt claimed in the last 5 years and has 10 years no claims bonus
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rustyarchs
Member
Registered: 29th Aug 04
Location: scotland
User status: Offline
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i was with adrian flux and when i wrote of my fto i went from 4 years ncb down to 1 so didnt lose it all , got 2 years ncb on the porsches insurance so not to worried anyway
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Dean_W
Member
Registered: 13th Dec 05
Location: Downham Market, Norfolk
User status: Offline
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I had 3 years when I hit the merc. They dropped me down to 1 year.
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DaNnY_LaD
Member
Registered: 30th Nov 05
Location: Walkden,Manchester
User status: Offline
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so basically ive lost it all as i had 2 years which is the minium(sp)
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_Allan_
Member
Registered: 24th Mar 04
User status: Offline
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quote:
Originally posted by DaNnY_LaD
so basically ive lost it all as i had 2 years which is the minium(sp)
yeah m8, think you'd have zero now. I'd ask them but I think for most cases it's 2 years per claim. 
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DaNnY_LaD
Member
Registered: 30th Nov 05
Location: Walkden,Manchester
User status: Offline
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Well ive got one insurance on my Van....Which im 3/4 the way through...And im gonna get a Cupra on another insurance Company...after each one would i get 1yrs NCB with each car?
if you get me
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rustyarchs
Member
Registered: 29th Aug 04
Location: scotland
User status: Offline
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yup but only counts as 1 year per vehicle and you must still tell them of your claim
i had 4 years and 2 years now got 1 year and 2 years so its ghay
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DaNnY_LaD
Member
Registered: 30th Nov 05
Location: Walkden,Manchester
User status: Offline
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So i get 1 year for each vechile?
That right
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DaNnY_LaD
Member
Registered: 30th Nov 05
Location: Walkden,Manchester
User status: Offline
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Im payin 114 a month for my van If i stick my mum on it would it make it cheaper? Shes got 10yrs NCB and is 53yrs driving most off her life..
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DaNnY_LaD
Member
Registered: 30th Nov 05
Location: Walkden,Manchester
User status: Offline
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ttt
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Toby
Premium Member
Registered: 29th Nov 05
User status: Offline
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quote:
Originally posted by DaNnY_LaD
Im payin 114 a month for my van If i stick my mum on it would it make it cheaper? Shes got 10yrs NCB and is 53yrs driving most off her life..
yeah always bang parents on it means you can drive thwe car less meaning less risk, even if its only by 20 on the whole policy its still 20 quid
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