NCB on quotes

stefaclese · Post by **stefaclese** » Mon Nov 19, 2007 4:56 pm

Right, I'm in a bit of a pickle right now. My insurance is up for renewal this week, and I was intending to get a policy in my own name from Quinn as they offered the only sane quote of Â£1300, but now thats gona up by a grand so thats totally out of the picture. I tried calling them to find out why and they reckon its because of my new address in Birmingham, which I think is rubbish as the orginal quote was with the Brum address.

So now my only hope is to get a policy in my Dads name with me being the main driver and the car staying at my address. However, he doesn't want to lose his NCB from his car.

Basically, if he gets a second policy on my car and declares 4 years NCB will they dissappear from his policy?

I read recently on here that its possible to "mirror" NCBs so gonna give that a go, but Quinn (who did the cheapest quote so far with the NCBs) don't do mirroring of NCBs.

Any help much appreciated.

Cheers,

Stefan.

empsburna · Post by **empsburna** » Mon Nov 19, 2007 4:58 pm

ooooh, fronting, not good.

Shop around for your own insurance!

stefaclese · Post by **stefaclese** » Mon Nov 19, 2007 5:13 pm

I've shopped and shopped and shopped and the cheapest I can get is now 1500 at my old address. Nothing sensible, ie 1500 max so far. Cheapest so far for my Brum address is Â£2300

Only places I haven't tried are brokers and smaller companies - yet. Got Wednesday free to hunt around a bit more.

My original intention was to get my Dad to renew the existing policy, then come January when I get loadsa money from grants etc and I magically turn 20 (insurance goes down) I was gonna get my own policy. I think in hindsight I should have waited 3 months longer to get a Coupe as then the insurance renewal would always come after my birthday so would work out cheaper until I hit 26 year after year, but I just couldn't wait lol.

-Alex- · Post by **-Alex-** » Mon Nov 19, 2007 5:23 pm

Tried Elephant mate? Maybe we got lucky but me and the ex insured her new Mini in Cardiff town centre (oh my god!) for less than it cost at my home address (which is pretty rural).
Not sure about the NCB mirroring but worth a go...

They quoted me silly on the MV6 though

dreaddan · Post by **dreaddan** » Mon Nov 19, 2007 5:28 pm

as a general rule you can only have 1 set of ncbs for one car.
Some insurers will allow you to mirror them and some will give you them for free if you have been on someone else policy( eg direct line).

Have you checked to see how mutch (if at all) your policy will go down after you turn 20?

You will start to call brokers, Aplan / motor direct, adrean flux and the others will be your only hope.

Chewey · Post by **Chewey** » Mon Nov 19, 2007 6:00 pm

im with adrian flux and had no problem im 24 with 4 yrs NCB and paying Â£750 FC

stefaclese · Post by **stefaclese** » Mon Nov 19, 2007 9:48 pm

Adrian Flux said they wouldn't be able to beat the renewal, called a few other insurers who all couldn't beat the renewal, so looks like I'm gonna renew the existing for now then see what kind of quotes I get when I hit 20. Only place I have left to try are Direct Line, but again I have my doubts.

Ozz · Post by **Ozz** » Mon Nov 19, 2007 10:08 pm

You tried Greenlight?

Tomcat216T · Post by **Tomcat216T** » Mon Nov 19, 2007 10:10 pm

stefaclese wrote:Only place I have left to try are Direct Line, but again I have my doubts.

I am with direct line and seem fine for me. I have heard people say that they are pretty useless when it comes to claiming etc but the prices are quality!

stefaclese · Post by **stefaclese** » Mon Nov 19, 2007 10:20 pm

Greenlight ent much good as they don't insure anyone under 21

Gonna renew the existing policy for another year me thinks, then short term cover to cover the 2 months until I turn 21 the year after next, unless I can get a decent quote when I hit the big 2 0

I think I've tried every insurer in the UK these last few weeks, apart from local brokers, but TBH I very much doubt they'd beat the renewal

At least it looks like I'm gonna be back on the road with a new MOT, new tax and new insurance by the end of the week and will finally be able to go out and drive - these past 5 or 6 weeks have been a nightmare

shen · Post by **shen** » Mon Nov 19, 2007 10:41 pm

get a metro 1.1L like you're supposed to have at your age!!!

insurance companies suck... no other way of putting it really.

stefaclese · Post by **stefaclese** » Mon Nov 19, 2007 11:23 pm

Well I'm not going to let insurance companies dictate what car I should drive

mg-richard · Post by **mg-richard** » Mon Nov 19, 2007 11:56 pm

unlucky i have kinda been in the same situation, either leaving the car at home, or buying a cheaper to run car and having it here- which i have now

Gibbo · Post by **Gibbo** » Tue Nov 20, 2007 12:09 am

Give quick fit a go mate im 21 and they insured me on a 220 GSi ive only been driving a yr and without any ncb.

stefaclese · Post by **stefaclese** » Tue Nov 20, 2007 12:40 am

Yeah but you're 21, thats when insurance starts getting cheaper

I think Kwik-fit come up on confused.com, in which case they won't be cheap as the cheapest was Quinn, the next being quite a bit more.

mg-richard · Post by **mg-richard** » Tue Nov 20, 2007 1:02 am

you might get a good quote from endsleigh, they have a massive deposit though but if you ring them up they will lower it

empsburna · Post by **empsburna** » Tue Nov 20, 2007 1:27 am

mg-richard wrote:you might get a good quote from endsleigh, they have a massive deposit though but if you ring them up they will lower it

And as a student they should give you a discount.

stefaclese · Post by **stefaclese** » Tue Nov 20, 2007 2:38 am

Endsleigh are one of the companies that waste your time by giving obsurd quotes, I think theirs was something like Â£5000ish. So much for them specialising in young people and students. I don't see why they even bother giving quotes like that as you'd have to be an idiot to pay that much. They've got a shop/kiosk next to the SU shop, so if I'm bored and I've got some time on my hands I might pop in and waste their time for a change lol

Sheaf · Post by **Sheaf** » Tue Nov 20, 2007 7:32 am

stefaclese wrote:Well I'm not going to let insurance companies dictate what car I should drive

Fair enough... if you like paying hideous amounts every year.

NCBs can be used on one policy only, plus if you get it in your dads name it's technically insurance fraud.

If you want a performance car at a young age, with no NCB then basically you have to pay a lot of money. Not really much you can do. Â£1500 is less than a lot of people pay.

Personally I waited til I was 21 and bought a 1.6, the most I've ever paid for insurance was my first year @ Â£850.

rover220 · Post by **rover220** » Tue Nov 20, 2007 7:35 am

stefaclese wrote:Yeah but you're 21, thats when insurance starts getting cheaper

I think Kwik-fit come up on confused.com, in which case they won't be cheap as the cheapest was Quinn, the next being quite a bit more.

confused wont find you the cheapest quotes though.

stefaclese · Post by **stefaclese** » Tue Nov 20, 2007 11:15 am

Personally I waited til I was 21 and bought a 1.6, the most I've ever paid for insurance was my first year @ Â£850.

Well I couldn't wait, and its a 1.6 too

I think it looks like my uni grants are gonna pay off the rest of the insurance premium in January as I don't really have any other expenses anymore.

stefaclese wrote:
Yeah but you're 21, thats when insurance starts getting cheaper

I think Kwik-fit come up on confused.com, in which case they won't be cheap as the cheapest was Quinn, the next being quite a bit more.

confused wont find you the cheapest quotes though.

I know

David220 · Post by **David220** » Tue Nov 20, 2007 11:25 am

Elephant.co.uk FTW!

Policy in your name and stick a female (with a half decent driving record) on as a named driver.

I'm just turned 24 and only paying Â£500 fully comp for my clio 182!

Also try Chris Knott...I was with them when I got my 220 Gsi T at 19. I had no NCB and a fault claim on my record - I paid Â£1600 TPFT. The year after, it went down to 1175 then 900 odd.

Elephant are ok with a few mods but you can't go nuts. Suspension, exhaust and filter cost me Â£28 extr in total.

David

stefaclese · Post by **stefaclese** » Tue Nov 20, 2007 11:56 am

Elephant are useless until I turn 21. Gonna see what I can get once I hit the big 2 0. Then once I hit 21 I'd imagine I'd be laughing.

stefaclese · Post by **stefaclese** » Tue Nov 20, 2007 12:03 pm

Of course it doesn't help that I'm living in a scabby area of Birmingham as well

The difference between me living back in Oxfordshire and here in Perry Barr is Â£900 insurance wise with Quinn, even though the cars safer here as its kept in a private restricted access car park with 24 hour security and key card access barriers blocking the only exit, where as in Didcot it'd just be parked on the street

mg-richard · Post by **mg-richard** » Tue Nov 20, 2007 12:05 pm

if your really stuck, and highly doubt anyone is gonna nick it, just insure it at home, atleast your covered in your own name- no fronting. plus you will spend atleast 1/4 of the policy not at uni anyway prob more like 1/3 due to holidays

Post by **Punx0r** » Tue Nov 20, 2007 2:20 pm

stefaclese wrote:Of course it doesn't help that I'm living in a scabby area of Birmingham as well

The difference between me living back in Oxfordshire and here in Perry Barr is Â£900 insurance wise with Quinn, even though the cars safer here as its kept in a private restricted access car park with 24 hour security and key card access barriers blocking the only exit, where as in Didcot it'd just be parked on the street

Have you explained this to the quote givers?

stefaclese · Post by **stefaclese** » Tue Nov 20, 2007 2:38 pm

Quinn don't take that in to account, however Norwich Union do. My Dad can't renew the insurance as it ran out on the 12th and because the cars now kept in Birmingham. However Norwich now do pay as you drive for 18-23 year olds now rather than 24 and older, so that my only option now. Its a bit carp though as it costs Â£1 per mile driving between 11pm and 6am (fooks me over if I get a job working nights), where as its 3.3 pence between 6am and 11pm.

With the approximate mileage I'm likely to do in the forseable future it works out to between Â£1200 and Â£1600 for the year, depending on my monthly miles.

Hopefully I'll find some decent quotes when I hit 20, as I don't like the thought of having to restrict my miles, but then again I ent gonna driving much for the time being anyway, just driving home weekend after next, a couple of local meets, and going down to my Nans over Christmas.

David220 · Post by **David220** » Tue Nov 20, 2007 2:47 pm

Have you tried Chris Knott as mentioned above?

They were excellent with me when I was 19.

stefaclese · Post by **stefaclese** » Tue Nov 20, 2007 3:00 pm

I'll try them when I turn 20. I'm gonna stick with this pay as you drive policy for now, and start getting quotes for January when I have some money to play around with.