is being protected worth it

Discussion in 'Motorhome Insurance General Discussion' started by dshague, Feb 8, 2010.

  1. dshague

    dshague Funster

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    just had my renewal for my insurance with mica 9 years protected £365.
    had a look round and sarga quoted £277 protected .
    comfort dos not do protected quoted £205 .all the same excess and other benefit's same .
    is it worth paying the extra .:Doh:
     
  2. hilldweller

    hilldweller Funster Life Member

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    I'm sure it's just one big scam.

    They say "your no claim is protected" OK.

    You pay £500 and get 50% off = 250.

    You crash.

    Your renewal premium is £700 less protected NCB 50% = £350.

    Get the picture. The NCB is protected, they say nowt about the premium.

    Of course I may be wrong.
     
  3. Minxy Girl

    Minxy Girl Funster Life Member

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    Not in our experience. We always have protected no claims and had to make a claim on our motorhome insurance in 2008 due to it being vandalised whilst on holiday in Holland, £2,400 total cost, less our £150 excess. When the renewal came through we thought it would be horrendous but had only gone up a few quid! I would say protect it, if we hadn't I think we'd have been looking at a much higher renewal.
     
  4. Braunston

    Braunston Read Only Funster

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    Hi,

    Totally agree with Brian is not a protected Premium, albeit if the price is right i do opt for the protected bonus, have you tried NFU they are always worth a try, and you don't need to be a farmer 0800 316 4661 or have a look at the link below,

    If I couldn't get better than what you have been quoted I think i would keep the £160 in my pocket, but I wouldn't give up trying just yet as i think with a bit or ringing around etc. and the internet you hopefully can get that down quiet a bit, Best of luck

    http://www.nfumutual.co.uk/you/motor-insurance/car-insurance.htm


     
  5. Gonewiththewind

    Gonewiththewind Read Only Funster

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    SAGA only give a max 6 Years Bonus.:Rofl1:

    Don
     
  6. pappajohn

    pappajohn Funster Life Member

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    got to weigh up the pro's and con's.

    if you have a claim and arent protected you may lose 20% NCB

    is the lost 20% less than the cost of protecting NCB...i doubt it.
    mine is/was £13 extra to protect full NCB.

    but as Brian said...the premium will increase even if your NCB is protected.

    an example is windscreen cover...claims dont affect NCB on fully comp...
    my excess was £50 (post office) on my corsa.
    made a claim for a new screen and at renewal it had gone up to £75 excess.

    you dont get owt for nowt.
     
  7. dshague

    dshague Funster

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    thanks every one .i will jive nfu a call in morning then its make my mind up time.
    i gave my present insurance company a call and told them saga price they said could not look at there renewal price and go to saga . :Eeek:
     
  8. rainbow chasers

    rainbow chasers Read Only Funster

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    Doesn't that tell you what sticking with them so long meant to them?

    Shop around, go to a recommended one that does a better quote. I don't know what Frank Pickles are like for claims, but their insurance is pocket money!:thumb:
     
  9. dshague

    dshague Funster

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    its a mad world nfu cost more that my present company :Eeek:
     
  10. denzil

    denzil

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    We had caravan insurance with NFU about 7 years ago and had a 4 month old caravan stolen in the November. We were due to go to Holland for New Year in it, and NFU offered to hire a caravan for us if the claim wasn't settle in time. However, they settled within a few weeks. We were devastated at losing the caravan and all the contents, but glad we were with a reputable insurance company who were very efficient and professional.

    I would highly recommend them.

    We were absolutely gutted, but NFU paid up within 3 weeks in full and were fantastic throughout.
     
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