Protected NCB

Discussion in 'Motorhome Insurance General Discussion' started by scotty1, Feb 1, 2016.

  1. scotty1

    scotty1 Funster

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    does anybody have protected no claims bonus,just been told by our insurance that they dont know any insurers that do it for motorhomes ,ta
     
  2. Puddleduck

    Puddleduck Funster

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    Have it on the car but couldn't get it on the motorhome :)
     
  3. Manic

    Manic Funster

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    I've got it and always had it on Motorhome (Saga and now with Scenic-AXA)
     
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  4. StefAndDi

    StefAndDi

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    I have protected No Claim Discount for my motorhome with Safeguard.
    It costs me £50 additional excess but I think that's money well spent.
    Stef.
     
  5. Poohbear

    Poohbear Funster

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    It's not money spent at all if it's just £50 on the excess?
     
  6. ramsthom

    ramsthom Funster

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    I also have protected NCD with Safeguard. I believe you have to have at least 4 years claim free in order to qualify.
     
  7. StefAndDi

    StefAndDi

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    Ha ha. I get your point. Just trying to say that I think it's a good deal, especially when lots of guys can't get it at all.
    Stef.
     
  8. Techno

    Techno Funster Life Member

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    A waste of money. NCD protection protects your no claims percentage but it doesn't stop them charging what they like at renewal after a claim. It's a discount off the price THEY set which WILL go up :LOL:

    It will also affect all your other policies if you have a claim
     
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  9. Lenny HB

    Lenny HB Funster

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    Some companies e.g. Comfort give you a net policy, so no NCD, if you change from them to a copmany that does offer a NCD Comfort will give you a statement of entitlement to No Claims Years.
     
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  10. DuxDeluxe

    DuxDeluxe Funster Life Member

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    Spot on........... your NCD might be protected, but all of your premia will rise as you are a greater insurance risk - even if someone piles into you and not your fault/other person's insurance paid all damage. Not worth it at all, IMO
     
  11. Tea Bag

    Tea Bag Funster

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    Hi.
    Same as Puddleduck,i was told you could only have NCD on One vehicle and i already had it on the car.
    However,we have bought a car in Portugal,went to insure it with our bank,showed them proof from Churchill and was told that as i had sold the car with the NCD on over six months ago,the NCD No claims proof document from Churchill, was out of time..... Went to Axia ? in the next town,showed the same document Bingo,got the Discount and cheaper top line. We have jumped through all the hoops regarding importing our M/h,and are now waiting the new portugues log book for it,the chap at Axia ? has said they insure m/homes,so i will let you know how it stacks up here.
    It seems here,the CAR/whatever is insured,and anyone can jump in and drive,as long as they have a licence...... I will DOUBLE check this LOL,we have....... Grand children Double LOL
    Tea Bag
     
  12. Tea Bag

    Tea Bag Funster

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    Hi.
    Just be warned,here in portugal,the car insurance goes up as the car gets older,so many older cars are driving around with only "third party" cover,so in the event of an accident,call the police,its what the locals do,don't be fobbed off. It's alledged ? that some of the little Pop pop cars are being driven by "over the hill" gang old boys,who have a job seeing,let alone get a licence...
    Tea Bag
     
  13. Steve and Kat

    Steve and Kat Funster

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    Something else about no claims discount. Was told by a couple of brokers that MH insurance companies don't really bother with NCD. They just base it on you and your spouse's age, your address, claims and any convictions in the last 5 years. Just about to insure our new one, and as this is a new vehicle I thought NCD would have come in handy, but no. All 4 companies that I have asked didn't require it, and just quoted me a figure..

    Very strange, as I don't see the point of NCD then.. Maybe it's a car thing..
     
  14. gus-lopez

    gus-lopez Funster

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    When I moved here I had 4 seperate ncd's on 4 different vehicles & with 3 different companies. & yes here in Spain when you sell a vehicle the ncd will only last 1 month before it lapses , unlike the 2 years of the Uk ,but a current UK/Germany/any other country policy , covering a vehicle they will take the discount /years of no claims off of that ?
    Very peculiar.:unsure:
    & yes @Tea Bag the " micro car sin carnet " is specifically bought by those without a licence/no chance of getting one / those who have lost their licence /the blind & unseeing et al :)
     
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  15. jezport

    jezport Funster

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    True to some extent. I had a bump in my car with an Adrian Flux protected NCD policy, They hiked my insurance up by £300. I moved insurers and the new insurers were cheaper than before the accident. My motorhome insurance dropped by £10 which wasn't protected. I asked why my motorhome insurance wasnt affected by the accident. They told me that just because I bumped my car didnt mean I was more likely to bump the van. All very strange
     
  16. Minxy Girl

    Minxy Girl Funster Life Member

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    If you want to see the effect of NCD years on your insurance, go to a car insurance site and do quotes for the same car but alter the number of NCD years ... it doesn't make much difference.
     
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  17. camperlove

    camperlove Funster

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    camping and caravan club protect ncd
     

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