WTF! £140 For NCD Protection!
23 April 2004, 01:43 PM
#1
Scooby Regular
Thread Starter
Join Date: Dec 2000
Location: West Yorkshire
Posts: 3,828
Likes: 0
Received 0 Likes
on
0 Posts
WTF! £140 For NCD Protection!
I was messing about on the Tesco website and put in a Quote for a WR1. When I unticked the protected NCD box the premium went down by £140!
If you don't have this and have to make a claim I would imagine your premium would increase by a similar amount anyway? As I presume if you had say 10 years NCD and make a claim you do not lose all 10 years do you?
Just seems like daylight robbery to me.
Damian.
If you don't have this and have to make a claim I would imagine your premium would increase by a similar amount anyway? As I presume if you had say 10 years NCD and make a claim you do not lose all 10 years do you?
Just seems like daylight robbery to me.
Damian.
23 April 2004, 02:41 PM
#3
Scooby Regular
Join Date: Feb 2004
Location: Fife, Scotland
Posts: 130
Likes: 0
Received 0 Likes
on
0 Posts
Originally Posted by mart360
unfortunatly yes,,,
if you have a claim with unprotected bonus
it all dissapears
mart
if you have a claim with unprotected bonus
it all dissapears
mart
Well my sister had a claim not so long ago and she only lost 2 years ncd
23 April 2004, 03:23 PM
#4
Scooby Regular
iTrader: (7)
Join Date: Jan 2001
Location: Chester (Tumbleweed City!)
Posts: 3,695
Likes: 0
Received 1 Like
on
1 Post
RRB
yes same with me lost 2 years
However my renewal from 750ish went up to 1300
got a quote and went with L & V just over 700 squids
the best was still to come...............reading the policy i discovered that it INCLUDED NCD protection
Steve
yes same with me lost 2 years
However my renewal from 750ish went up to 1300
got a quote and went with L & V just over 700 squids
the best was still to come...............reading the policy i discovered that it INCLUDED NCD protection
Steve
23 April 2004, 04:13 PM
#5
Scooby Regular
iTrader: (2)
Join Date: May 2000
Location: Class record holder at Pembrey Llandow Goodwood MIRA Hethel Blyton Curborough Lydden and Snetterton
Posts: 8,626
Likes: 0
Received 0 Likes
on
0 Posts
LOL how many poeple with decades of NCB still protect it?
If you go with the odds - the money you save by not protecting usually outweighs the 2 years NCB knockback you get if you do claim.
I think its a swizz - some company policys are to not offer NCB protection until its 60% or whatever - ever thought why? LOL
If you go with the odds - the money you save by not protecting usually outweighs the 2 years NCB knockback you get if you do claim.
I think its a swizz - some company policys are to not offer NCB protection until its 60% or whatever - ever thought why? LOL
23 April 2004, 06:33 PM
#7
Scooby Regular
iTrader: (3)
Join Date: Jan 2003
Location: South Wales - Stuck on this rollercoaster, get me off!!
Posts: 5,350
Likes: 0
Received 0 Likes
on
0 Posts
Most you will lose is 2 years if you make a claim. It usually costs 10% of the premium to protect your NCD, more if your a young driver.
simb
simb
Trending Topics
23 April 2004, 10:04 PM
#8
Scooby Regular
Join Date: May 2003
Location: Nott'm Home of the Reds
Posts: 6,431
Likes: 0
Received 0 Likes
on
0 Posts
Originally Posted by SPEN555
I agree with Jay m A on this. It all seems like a money making exercise to me.
25 April 2004, 07:51 PM
#10
Scooby Regular
Join Date: Oct 2003
Location: 1994 WRX STI VERSION 1 No. 21/200
Posts: 2,803
Likes: 0
Received 0 Likes
on
0 Posts
Originally Posted by mart360
unfortunatly yes,,,
if you have a claim with unprotected bonus
it all dissapears
mart
if you have a claim with unprotected bonus
it all dissapears
mart
26 April 2004, 06:36 PM
#11
Scooby Regular
iTrader: (3)
Join Date: Jan 2003
Location: South Wales - Stuck on this rollercoaster, get me off!!
Posts: 5,350
Likes: 0
Received 0 Likes
on
0 Posts
Originally Posted by wrxmania
This is wrong - you get a two year step back for a claim and in the event of a total loss you may lose a bit more.
simb
28 April 2004, 09:47 AM
#12
Scooby Regular
Join Date: Aug 2003
Posts: 800
Likes: 0
Received 0 Likes
on
0 Posts
so you lose 2 years from the ins. cos MAX NCD? So if I have 7 years NCD, the company only accepts up to 5, and I have a claim, what do I end up with?
Do I have 5 still (7-2), or 3 (5-2)? How does that get affected if you want to move to another insurer?
Do I have 5 still (7-2), or 3 (5-2)? How does that get affected if you want to move to another insurer?
28 April 2004, 06:37 PM
#13
Scooby Regular
iTrader: (3)
Join Date: Jan 2003
Location: South Wales - Stuck on this rollercoaster, get me off!!
Posts: 5,350
Likes: 0
Received 0 Likes
on
0 Posts
Originally Posted by mrklaw
so you lose 2 years from the ins. cos MAX NCD? So if I have 7 years NCD, the company only accepts up to 5, and I have a claim, what do I end up with?
Do I have 5 still (7-2), or 3 (5-2)? How does that get affected if you want to move to another insurer?
Do I have 5 still (7-2), or 3 (5-2)? How does that get affected if you want to move to another insurer?
simb
Thread
Thread Starter
Forum
Replies
Last Post
Scott@ScoobySpares
Full Cars Breaking For Spares
61
11 January 2021 03:08 PM
shorty87
Full Cars Breaking For Spares
19
22 December 2015 11:59 AM
Sub-Subaru
General Technical
1
28 September 2015 12:47 PM