Comfort Insurance,NCP

Discussion in 'Motorhome Chat' started by Chybax, Mar 12, 2013.

  1. Chybax

    Chybax Read Only Funster

    Apr 7, 2010
    Hi all
    Those of you who insure with Comfort do you know if they do "no claims protection" ?
  2. Phill D

    Phill D Read Only Funster

    Dec 6, 2011
    South Wales
    i guess youd have looked this up but comfort do not operate a "normal NCB scheme " therefore my understanding is it cannot be protected.

    this is from their website...

    Unlike protected no claims bonus, guaranteed NCB does not have any stipulations about the number of claims over a period of time. Maximum NCB applies for the whole of the policy period. Proof of NCB that may be required following a change of insurer will show that NCB was guaranteed, and would identify the actual number of years’ claim-free driving
    Net-Rated Insurance
    Net-rated policies (such as the Comfort motorhome product) use a premium equivalent to a maximum no claims bonus. The effect is the same as a guaranteed NCB in that it applies to the life of the policy, and cannot be directly affected by claims (other than a possible premium loading for adverse experience). If proof of NCB is required following a change of insurer the evidence would show the number of years claim-free driving. One advantage of net-rated policies is that available NCB can be used against another insurance policy, e.g. private car.

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