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As some of you may know my Escort was nicked, damaged (and recovered) at the end of last month so I'm making a claim on that. I also had an accident in my Cortina at the start of May which is also in the process with my other insurance company. Turns out actually using the service that insurance is there for is making it very hard to find a sensible quote anywhere on the next car I'm getting I'm nearly 40 with just 3 claims in 20 years of driving yet I'm getting quotes that would make an 18 year old feel ripped off! Worst so far has been Churchill at £2800 (but they have almost all been well over £1000) Best I have managed with the wife as the main driver and me named (we will be sharing the car) is £700 paying all in one go I'm trying to insure a totally standard 1.8cvh sierra estate btw (I even owned it myself a couple of years back and was paying about £300) any tips? oh, have a car pic  |
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Dez
Club Retro Rides Member
And I won't sit down. And I won't shut up. And most of all I will not grow up.
Posts: 11,790
Club RR Member Number: 34
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Jun 24, 2014 10:03:20 GMT
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2 claims and no no claims? 700 quid is about as good as itll get.
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Jun 24, 2014 10:23:12 GMT
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;-(
just searched on here and will be giving Brentacre a call
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Jun 24, 2014 13:19:13 GMT
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I was involved in an incident at the start of the year. A guy slammed his brakes on, I went into the back of him (only about 10mph) and he jumped out clutching his neck and shouting whiplash. I very politely told him to curse word off with it and he jumped in his car and drove off.
Reported it to the police and insurance just in case and left it. Had a shock when my insurance renewal came through for £2k more! It was already £1.5k (trade policy) so jumped to £3.5k!!!
Sorted it all out as the deadline to claim went so it was removed from being a claim and the quote went back down to about £1.6k. I didn't need trade insurance anymore so left and went with Brentacre. Highly recommended. £440 fully comp for the MX5.
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rev
Part of things
Posts: 59 
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Jun 24, 2014 15:05:40 GMT
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ive been on a historic vehicle policy for years, went to insure a clio 1.5 td, cheapest was £592 worst was £9997 yea I typed that correctly. insured my nova with all the mods shown for £399.00 insurance is a joke these days by the way I went with greenlight insurance, very happy so far  |
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yow can fix anything wi a ommer owr kid...
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Jun 24, 2014 15:48:41 GMT
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with my escort, for the first 3 or 4 years I was with footman james, switched to someone else one year because they were cheaper but the year after looked round for quotes again and tried footman james who told me they wouldn't insure me!
same car, same address, same job, no changes at all - crazy
I'm sure they just have a yes / no button and then some random number generator
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Jun 24, 2014 15:54:43 GMT
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Have you tried the NFU ? I think they are quite good and maybe a bit different to others ? Give them a call and be nice !
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Last Edit: Jun 24, 2014 15:57:23 GMT by bobblegut
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kenb
Part of things
Posts: 604
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Jun 24, 2014 16:17:14 GMT
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Is your premium high because both claims still in the system? I was involved in crash two years back. Although not my fault until it was financially settled between the two companies involved my NCB was void. Fortunately for me it was all sorted before renewal came through.
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Is your premium high because both claims still in the system? I was involved in crash two years back. Although not my fault until it was financially settled between the two companies involved my NCB was void. Fortunately for me it was all sorted before renewal came through. could be two claims seems to make all the classic car insurance people turn their nose up at you and not even quote by having only classic car insurance for the last 7 or 8 years I have lost my 10 odd years ncb that I had before i'll keep trying, someone will sort me out I'm sure |
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meltdown
South West
Isn't letting old age get the better of him, still making the same bad decisions with vehicles.
Posts: 687
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Jun 25, 2014 11:32:58 GMT
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Hi stuartpI've had a classic policy for quite some years now and I can honestly say that your situation with your NCB being lost is a strange one. (to me at least) Currently I'm with Adrian Flux but I've also been with some others over the years, and although on a classic car policy you don't accrue NCB, any that you had when you took the policy out, should be held on file for future use if you get a more modern motor. For example my 9yrs didn't accrue but I was able to get a discount based on that amount even when changing insurer. Also I've been able to have it agreed when changing insurer and going to a modern car. The only way to lose all of it is to not be insured at all for 18 months, as this resets you in the insurers eyes. (unless you've been extremely unlucky having a multitude of accidents). In my experience 1 accident costs you 2yrs NCB, I can't believe being unlucky to have had two accidents loses the lot. Also from a customer service point of view, if you have a classic policy which started at zero NCB, and say 4yrs later you get a modern policy with the same insurer, they should be able to give you a discount albeit at their discretion. (so I guess it helps if you have a happy chappy/chappette at the other end of the phone) 1 last thing - again from personal experience and which shocked me, when I went to purchase a mates Sierra I was quoted a similar amount as yourself. I'd stated the car was being bought for £500, I queried why it was so expensive and was told that as it was a cheap car I was more likely to drive like a loon. My point on it being a classic and treated as such didn't matter, had I said I'd purchased it at £1100 the quote would have been cheaper.. I hope this post has been of some help? |
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Powered by biscuits
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Jun 25, 2014 13:47:11 GMT
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i'll have to try quoting an actual value rather than what my friend is letting me have the car for and see if that changes anything
btw there is no mention of ncb on my peter james insurance - this is the one i'll be changing car on (or more accurately cancelling seeing as they are still trying to write it off)
it says 11 years (but i just noticed unprotected) on my performance direct insurance (this is the car I'm repairing) I think I'm right in thinking it doesn't count for anything on another policy
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meltdown
South West
Isn't letting old age get the better of him, still making the same bad decisions with vehicles.
Posts: 687
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Jun 25, 2014 15:35:47 GMT
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Protected NCB just means you don't lose your no claims bonus percentage in the event of a claim, they'll still stiff you for a higher premium though as you've made a claim, I'm pretty certain you can have 2 claims before your NCB % would be affected under a protected policy. This is all in the small print.
You won't be able to cancel the policy if they write it off and pay out on it, the policy is effectively at the end of it's term at this point.
However if you have a couple of months left to run on this policy you could have a replacement car covered in it's place until it's renewal date is up though, probably have to pay an admin fee here.
Again this is all from personal experience - I'm a bit lost as to your specific situation, but if your a member of the AA or such like you'll have access to free legal advice or perhaps the citizens advice bureau (do they still exist?) can offer advice.
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Powered by biscuits
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Jun 25, 2014 18:18:15 GMT
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Mate in his 70's with clean licence, full no claims etc bought a car from a dealer and as he drove out of the forecourt somebody ran into the side - but didn't stop ! The car was classed as a write off by his own insurers, who he had to make a claim, as Police unable to trace the "hit and run" driver. He didn't have protected NCB. The current premium on the replacement car, a 3 year old Kia Soul diesel, is over £1500 due to loss of no claims.
What I'm saying is loss of NCB bumps up actual amount of money you have to paid massively so the high quotes don't surprise me.
Paul H
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Jun 27, 2014 15:18:00 GMT
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just had an interesting conversation with the nice lady at peter james (I have swapped my current insurance over to the sierra now but they don't class it as a classic so when my insurance runs out i'll have to deal with it all then)
she said I was a very unusual person only running old cars and that everyone else has a modern daily (infact it seems to be a requirement of the classic insurance that you have a modern daily)
that can't be true can it?
surely there are a fair few people who only run a classic
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kenb
Part of things
Posts: 604
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Jun 27, 2014 16:26:09 GMT
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Its going that way Stu. Most classic policies don not cover for using classics for work and haven't done for a long time now. Obviously it does vary from company to company, but when I've insured with both Footman James and Peter James, the question of access to main vehicles(moderns) was asked.
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Jun 27, 2014 17:32:32 GMT
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Check small print. We had this problem at work where people were entitled to claim mileage rate. Some insurers only cover the policy holder for commuting - really. So that means named drivers such as wife on husbands policy isn't covered !
Same with classic policies - there can be restrictions such as annual mileage being the most common but there are also things like towing 4 wheeled trailers, commuting to and from work etc. All solvable but can involve paying an increased premium to get the entitlement.
Paul h
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Jun 27, 2014 19:32:29 GMT
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ncb can only be held for 2years(when not being used), then you lose it. no ifs or buts.
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Last Edit: Jun 27, 2014 19:33:17 GMT by Deleted
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Jun 28, 2014 20:29:44 GMT
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just had an interesting conversation with the nice lady at peter james (I have swapped my current insurance over to the sierra now but they don't class it as a classic so when my insurance runs out i'll have to deal with it all then) she said I was a very unusual person only running old cars and that everyone else has a modern daily (infact it seems to be a requirement of the classic insurance that you have a modern daily) that can't be true can it? surely there are a fair few people who only run a classic I struggled to get my van insured for everyday use - couldn't get it on an agreed value policy at all in any way shape or form without paying almost the agreed value in premium..... NCB seems completely at the discresion of the individual insurer as to wether they will take any notice of it or not once any amount of time has elapsed, i don't think there are any hard and fast rules. |
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