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General => Insurance => Topic started by: warnesey333 on 28 January 2010, 19:29

Title: Policy over-run
Post by: warnesey333 on 28 January 2010, 19:29

Hey - just a quick question for you insurance gurus, particularly HIC :)

I had a 1.3 Fiesta covered with Endsleigh and I had the insurance for a year and had no accidents, meaning 1 year ncb.

However, 2 weeks before the policy was due to expire, I took up another policy with Bell because Endsleigh wouldn't switch the Golf over.

Now I know you'll all say why didn't you just wait - I couldn't lol.

Anyway, I was wondering if HIC or any other insurance companies would take this as a years NCB and then when my Bell policy expires, take both the NCB so 2 Years NCB?

Cheers

Title: Re: Policy over-run
Post by: DannyOOOOO on 29 January 2010, 09:12

It's all going to depend on what proof bell are going to send you. If they send you 1 yrs NCB thats all you can use  :sad: you can't put the 2x1yrs together.

So i would have a word with bell and explain the situation and see if they will let you put your 1 yrs NCB on your current policy and then they will supply you with 2yrs when your current one expires.

Hope this helps

Danny O

HIC

Title: Re: Policy over-run
Post by: warnesey333 on 29 January 2010, 12:03

Quote from: DannyOOOOO on 29 January 2010, 09:12

It's all going to depend on what proof bell are going to send you. If they send you 1 yrs NCB thats all you can use  :sad: you can't put the 2x1yrs together.

So i would have a word with bell and explain the situation and see if they will let you put your 1 yrs NCB on your current policy and then they will supply you with 2yrs when your current one expires.

Hope this helps

Danny O

HIC

Thanks a lot Danny :)

Title: Re: Policy over-run
Post by: AlanD on 29 January 2010, 12:28

The policy you have taken out with bell. Was that taken out with 1YNCB or 0YNCB ?

If it was 0 then I can see you struggling and also your a damm fool. You would have saved LOADS with that 1YNCB all for 2 weeks but I'm beginning to sound like my dad now so will stop :D

Title: Re: Policy over-run
Post by: warnesey333 on 29 January 2010, 12:32

Quote from: AlanD on 29 January 2010, 12:28

The policy you have taken out with bell. Was that taken out with 1YNCB or 0YNCB ?

If it was 0 then I can see you struggling and also your a damm fool. You would have saved LOADS with that 1YNCB all for 2 weeks but I'm beginning to sound like my dad now so will stop :D

OH believe me I've heard it already.

I'd have saved more in the coming years but for the first ncb my difference was about £100 for the year.

Nevermind we live and learn :D

Title: Re: Policy over-run
Post by: AlanD on 29 January 2010, 12:43

So I take it the Bell policy is with 0NCB ? All you can do is ask, but I wouldn't get my hopes up.