Robin B'Stards

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B

[email protected]

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Anyone know of an insurance company who will offer a sensible premium for
an additional car on the same policy? I have a 101 insured with NFU (cost
about 300 quid). I wanted to add a 97 Disco (of about the same value) to
the policy and they say my renewal premium will be around 950. WTF? I know
that NCB can only be applied to one vehicle (which is one of the all-time
best scams - surely NCB is derived from the assessed risk on the driver?)
but this is ludicrous. I can only drive one at a time! Anyone have any
suggestions?

M.
 

<[email protected]> wrote in message
news:[email protected]...
> Anyone know of an insurance company who will offer a sensible premium for
> an additional car on the same policy? I have a 101 insured with NFU (cost
> about 300 quid). I wanted to add a 97 Disco (of about the same value) to
> the policy and they say my renewal premium will be around 950. WTF? I know
> that NCB can only be applied to one vehicle (which is one of the all-time
> best scams - surely NCB is derived from the assessed risk on the driver?)
> but this is ludicrous. I can only drive one at a time! Anyone have any
> suggestions?
>
>Try a different company. I found Liverpool Victoria very good, they are
definitely worth asking for a quote if you have to insure it separately. It
is a scam though. At one time NU did a drivers policy for motorcycles, you
were covered full comp for any bike you rode. Why can't car policies be like
that?
TonyB


 
Anyone have any
> suggestions?

Just had another thought - can you insure the 101 as a classic not using
your ncb, then tx the ncb to the disco?
TonyB


 
[email protected] wrote:
> Anyone know of an insurance company who will offer a sensible premium for
> an additional car on the same policy? I have a 101 insured with NFU (cost
> about 300 quid). I wanted to add a 97 Disco (of about the same value) to
> the policy and they say my renewal premium will be around 950. WTF? I know
> that NCB can only be applied to one vehicle (which is one of the all-time
> best scams - surely NCB is derived from the assessed risk on the driver?)
> but this is ludicrous. I can only drive one at a time! Anyone have any
> suggestions?
>
> M.

Bennets offered me the same no claims discount on a 2nd car as I'd
already earnt on the main car. Good deal at the time - insure a 110
for about £150 fully comp and get the same discount on the 2nd car - a
Saab 9000.

--
Regards,
Danny

http://www.gaggia-espresso.com (a purely hobby site)
http://www.dannyscoffee.com (UK advert for my mobile espresso service)
http://www.malabargold.co.uk (UK/European online ordering for Malabar
Gold blend)
swap Z for above characters in email address to reply

 
On Mon, 14 Feb 2005 18:01:14 +0000 (UTC), "TonyB"
<[email protected]> made me spill my meths when he wrote:

>Anyone have any
>> suggestions?
>
>Just had another thought - can you insure the 101 as a classic not using
>your ncb, then tx the ncb to the disco?

I'm not sure this particular 101 would come under "classic military"
but the likes of Roadsure ask that the vehicles on their military
policy are second vehicles and also not for business use. Not sure if
'classic' applies to a vehicle that has been modified and isn't the
same as when it was in service. Maybe a look at a policy simply for
'old' vehicles might work, if there is such a thing.

Aren;t there websites around where you can put your details in and get
a load of quotes? Then agina, that would work Ok for something like an
Astra 1.6 Estate but an application for a 101 would probably bounce
"does not compute!"


--

Wayne Davies, Harrogate 07989 556213

Just another point of view...
www.4x4prejudice.org
 
On Mon, 14 Feb 2005 11:05:24 +0000 (UTC), [email protected]
wrote:

>Anyone know of an insurance company who will offer a sensible premium for
>an additional car on the same policy? I have a 101 insured with NFU (cost
>about 300 quid). I wanted to add a 97 Disco (of about the same value) to
>the policy and they say my renewal premium will be around 950. WTF? I know
>that NCB can only be applied to one vehicle (which is one of the all-time
>best scams - surely NCB is derived from the assessed risk on the driver?)

I have found that it is possible to multiply NCD by changing the
policy to another company, using present policy as proof of NCD, then
contacting the first company and asking to renew the policy and change
the vehicle at the same time.

Presto. One policy with full no-claims becomes two policies with full
no-claims

Alex
 
[email protected] wrote:
> Anyone know of an insurance company who will offer a sensible premium for
> an additional car on the same policy? I have a 101 insured with NFU (cost
> about 300 quid). I wanted to add a 97 Disco (of about the same value) to
> the policy and they say my renewal premium will be around 950. WTF? I know
> that NCB can only be applied to one vehicle (which is one of the all-time
> best scams - surely NCB is derived from the assessed risk on the driver?)
> but this is ludicrous. I can only drive one at a time! Anyone have any
> suggestions?

Move to New Zealand. An NCB here applies to the driver - I have a full
NCB gained on one vehicle years ago that applies to the entire fleet now
(wife's car, my Hilux, our motorhome and 2 series vehicles). The
downside is that losing it will cost me a shedload of money (but there's
ways around that too).

--
EMB
 
"Alex" <[email protected]> wrote in message
news:[email protected]...
> Presto. One policy with full no-claims becomes two policies with full
> no-claims
>
> Alex

And while it's unlikely you will get caught this is an offence of obtaining
a precunary advantage (at least it is in England and Wales) , basically
misrepresenting the facts to obtain a service. Just a heads up for anyone
considering going ahaead with such a ploy.

It's the same offence that would be considered stating you have a degree in
Nuclear chemistry which lands you a highly paid job when you have no such
qualification and you would not have got the job were the true facts known.

Lee D


 
On 2005-02-14, TonyB <[email protected]> wrote:

> Just had another thought - can you insure the 101 as a classic not using
> your ncb, then tx the ncb to the disco?

I tried this route with NFU some time ago, I tried to transfer the NCD
from my landy to an old Audi A4 TDi Auto I bought, but NFU said that I
can't transfer the NCD between two cars insured with them, it was
company policy... I told them that I could move the NCD from the
landy to the audi by moving it to a different insurance company. They
said they'd call me back, and within 5 mins they'd mysteriously found
that I qualified for a special discount that just slightly undercut
the expense of transferring! What a coincidence eh...

--
For every expert, there is an equal but opposite expert
 
On Mon, 14 Feb 2005 19:51:31 GMT, "Lee_D" <[email protected]> wrote:

>"Alex" <[email protected]> wrote in message
>news:[email protected]...
>> Presto. One policy with full no-claims becomes two policies with full
>> no-claims
>>
>> Alex
>
>And while it's unlikely you will get caught this is an offence of obtaining
>a precunary advantage (at least it is in England and Wales) , basically
>misrepresenting the facts to obtain a service. Just a heads up for anyone
>considering going ahaead with such a ploy.
>
>It's the same offence that would be considered stating you have a degree in
>Nuclear chemistry which lands you a highly paid job when you have no such
>qualification and you would not have got the job were the true facts known.
>

Or sticking tax exempt chassis plate on a S3. I couldn't possibly
condone such an action, I was merely providing an example.

:D

Alex
 
In article <[email protected]>, [email protected]
(TonyB) wrote:

> Anyone have any
> > suggestions?
>
> Just had another thought - can you insure the 101 as a classic not using
> your ncb, then tx the ncb to the disco?
> TonyB
>
>

The big problem I have (other than having five cars to insure!) is that
the 101 has to be on an 'any driver over 25' policy and NFU were the only
ones, at the time, able to offer this. I did ask them for a new quote for
the Disco (without NCB) and they were much more expensive than the likes
of the online co's i.e. churchill, directline etc etc who obviously give
introductory bonuses.

When I originally insured the 101, NFU would only insure cars up to 30
years old (the 101 is '75) but they seem happy to continue cover. Anyone
else had this problem?

NFU are happy to transfer the NCB to the Disco (higher group than 101)
which will reduce things slightly. I may just move the Disco
elsewhere altogether. I will try Bennetts.

M.
 
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