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S60 & V60 '11-'18 / XC60 '09-'17 General Forum for the P3-platform 60-series models |
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It's that time of year againViews : 3025 Replies : 34Users Viewing This Thread : |
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Dec 8th, 2011, 17:52 | #21 | |
Looney
Last Online: Mar 29th, 2017 14:56
Join Date: Nov 2011
Location: Here n there
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Is this for real? Why won`t other insurers take a protected no claims discount irrespective of claim history, as long as you`ve not broken the terms of the protection how the ferk can it make a difference? I plan to move away from Swinton next May when my current insurance expires and have 9 yrs+ protected no claims discount. Earlier in the year because of some muppet truck driver overfilling his diesel tank, the Volvo had a coming together with some armco on the way to Oban. So, because I was fully comprehensive and had a 450 quid excess, I chose to have the car assessed and categorised as a `C`. I then kept the car, got a 290 quid payout and put another 200 quid to it to get my Volvo repaired privately through some contacts in the business. I plan to keep the old girl til she dies so I`m not in the least concerned about the insurance category write off but this news about moving to a cheaper or different insurer being difficult because of protected NCB concerns me.
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I get into a pink Volva whenever I like, my S70 is coral red metallic. Volvo S70 SE auto 1998 vintage |
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Dec 8th, 2011, 17:53 | #22 | |
Premier Member
Last Online: Jun 7th, 2024 20:15
Join Date: May 2007
Location: Shrewsbury
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XC60 T5 AWD Inscription Pro (MY19). Electric Silver. Xenium & Intellisafe Packs, HUD, HK Sound, Heated Rear Seats, 4 Zone Climate, Towbar, Exterior Styling Kit, Apple CarPlay, Polestar |
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Dec 8th, 2011, 18:46 | #23 | |
Grumpy Old Sod
Last Online: Dec 14th, 2021 15:39
Join Date: Jan 2009
Location: Hampshire, nee Scotland
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Changed job to manager - no effect, changed wife to 'housewife' - increased by £10, removed wife - increased by £20, reduced mileage - reduced by £30. Will end up going with RAC, who offer £328 when provided with EXACTLY the same information as Aviva, RSA, Volvo, Churchill, LV=, etc who are all up in the £600-£750 bracket Definitely seems to pay to shop around, but it appears to be a complete lottery to me, with one difference - there is a chance that you could win in the lottery
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Currently XC60 Previously XC60, V70, S40, ... |
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Dec 8th, 2011, 18:48 | #24 |
Senior Member
Last Online: Nov 6th, 2012 21:12
Join Date: Jul 2010
Location: Falkirk
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At renewal time I always always do an on line quote giving the same details but as a new customer, it is always cheaper! Insurance companies like all financial institutions play on our lazyness when it comes to products. They will invariably "match" their own quote thus saving you several pounds.
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2010 D5 AWD R Design SE Premium Geartronic Ice White with 20" Cratus wheels |
Dec 9th, 2011, 12:52 | #25 |
Junior Member
Last Online: Jan 25th, 2024 17:13
Join Date: Feb 2011
Location: Wakefield
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For info. Renewed with LV last month £295. MY12 D5 R-Design, 12000mls, garaged o'night, max NCD, £400 excess, legal expenses, courtesy car, 180 days foreign use, NCD guarantee, age55yrs, retired.
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Dec 9th, 2011, 13:44 | #26 |
Rodney
Last Online: Aug 4th, 2016 05:02
Join Date: Jan 2011
Location: On The Street
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I generally stay with the same insurer. Each year sure as eggs are eggs our insurances increase come renewal. I use the compare sites to get a rough idea then ring whoever I am insured with and make them an offer.
Companies are all seeking "new customers" and loyalty counts for nothing nowadays so I remind them that it is in their interest to retain our custom. I have had some absolutely ridiculous conversations with insurance companies (as some can imagine..lol) with the best being a house renewal quote where after 15 minutes of going through all the details they came up with a "different" policy, a "new" product that was nearly half the price of the original renewal and offered "virtually" the same cover. I pointed out that the cover was identical only to be told it was "very very similar". I said no , its identical. Operator said no "very very similar". So I re-iterated that the cover was identical, even the name was the same and she said “yes but its a much cheaper policy isn’t it"……!!!!!!!!!!!!!..eh..??..????? For those that have courtesy car cover an interesting thing about courtesy cars on insurance can be seen here Regards Last edited by volvorocks; Dec 9th, 2011 at 13:46. |
Dec 9th, 2011, 14:45 | #27 |
Master Member
Last Online: Dec 22nd, 2015 22:30
Join Date: Aug 2010
Location: Somewhere
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Well I used Comparethemarket.com and Quotemehappy.com came out as £305.56.
After speaking to Churchill retentions they reduced to £308.46 so, with such a little difference, it was not worth changing. It may not be a massive saving, but it's better in my pocket than theirs! Anyway, it has to be worth a few quid to avoid having my business with a company that goes by the name Quotemehappy.com. Churchill have an interesting pricing structure on mileage: 12-13k add £29 13-14k add another £15 15-18k add £6 |
Dec 9th, 2011, 20:56 | #28 | |
XC60 Owner
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Quote:
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59 (MY10) XC60 D5 205 AWD Geartronic SE Lux 54 RX8 231ps Renesis ****el 96 Megane Coupe 2.0 82 Metro 1.0 |
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Dec 10th, 2011, 10:34 | #29 |
Senior Member
Last Online: Jun 25th, 2013 21:37
Join Date: Dec 2009
Location: Kilmarnock
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Yes, protected no claims is a bit of a scam. Your percentage discount is protected but your base premium isn't.
So say you have 60% no claims, base premium is £1000, so you pay £400 for insurance. You have a prang, you stay at 60% no claims but your base premium goes up to £1800 because you are now deemed a higher risk. You still have 60% no claims discount with this company but your insurance has gone up to £720. If you decide to go to another insurer they will not accept the protected no-claims discount, raise your base premium becuase you are a higher risk and you will have a much smaller no claims discount because of your prang. Result....? You are now locked into the original insurer until you are back at a real 5 or 6 years no claims.
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2009 C30 2.0D Powershift |
Dec 10th, 2011, 10:39 | #30 |
Rodney
Last Online: Aug 4th, 2016 05:02
Join Date: Jan 2011
Location: On The Street
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^^^...........and that means that the original insurer is free to bump up the premium to whatever they fancy
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