alcazar

iTrader: (2)

Mods: please don't put this in insurance, it won't get any responses and it's not about getting insurance anyway....thanks.

So.........got myself a small diesel so I can actually afford to go places again.
It's a little Corsa 1.3CDTi on a 60 plate. It came with seven days' free comprehensive insurance.

I've started using a well-known comparison website for quotes. To start off, I assumed I'd use the ncd earned on the Scoob, and got quotes around £140- £160, with full ncd, which seems to vary between 6 and 20 years, but no % quoted.

Then the wife doesn't want me to sell the scoob, so I looked again and found quotes with ZERO ncd for £200

How can that be? Surely a 60% discount off £200 ought to have brought the original quotes nearer £80? I was expecting quotes around the £400 mark?

Even if we assume the £200 quote includes, say, a start up discount of 20% to attract me, that means a 60% discount off the full amount would be only £96? Yet I couldn't get quoted less than £140 with full ncd.

Why the discrepancy? Or what am I NOT seeing please?

bustaMOVEs

iTrader: (31)

More your age in getting a quote with 0 ncd and how long you've held licence along with access to other cars etc debates the quote.

After 9 years ncd you don't get any further discount as that's the max ncd (some use 5 year)

hodgy0_2

Mods - can this go in insurance, thanks

alcazar

iTrader: (2)

Get knotted

I can see the reason for a decent zero ncd quote.

But then, if they can give me that, WHY can't they give me that as a starter, then knock, say 60% off it, making it £80??

bustaMOVEs

iTrader: (31)

A business has to make money somehow Otherwise they may as well shut up shop

dpb

It's a stitch up.!

They'll take you for what they can. House insurance even worse

Ant

I'd love my insurance to be £200 never mind £140

You codgers have it easy

hodgy0_2

I think that once you get past the age of 40 and have held a driving licence for 20 odd years the whole NCD is a bit of a marketing ploy anyway

I suspect your points history matters more

dpb

I lied ( forgot ) I only had 8 rather than 9 years ncd

Charged me another 6 quid!!

bustaMOVEs

iTrader: (31)

That's when they are more suspect

alcazar

iTrader: (2)

I suppose........but £200 with no ncd and £140 with nine years seems a bit odd.

What's the point of building up ncd if they fleece you anyway?

bustaMOVEs

iTrader: (31)

I get you but that's just probably how they work.
I'm paying £400 for a b8 avant tfsi Quattro and £300 for the wife's mini cooper with full ncd.

Although its still a good price you've been quoted IMO, I don't know anyone that pays less than £100 for any car, that I know of.

pimmo2000

iTrader: (6)

Friend of mine lives in a bit of a "ruff" area and got quote £200 extra for having his car on his drive. Apparently in that area, more car's are stolen from drives, so statically it's more of risk.

DYK

I just get the cover to keep me legal on the road,i just ignore all the extra add ons.fully comp at one time was is exactly that,far as I can remember,non of this pay extra to protect your no claims etc,legal cover and the like...
Everything is competition these days.meh.

alcazar

iTrader: (2)

It is beginning to look as if all this fuss about ncd is just so much b/s.

gpssti4

iTrader: (6)

Yes, it seems so. I have a car insured on a classic policy and they don't use 'no claims bonus'. To make everyone sick its less than £100 fully comp and insured for a value of £3500.

wrx300scooby

Ive had several classics and never paid over £100, some we're insured for up to £8,000.
I remember having a 1956 Chevrolet with a 6.6 litre big block in it, that cost just £80 fully comp!!!