Graham88
Member
Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
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Of course you pay less to have non protected no claims, you pay more to protect them...
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
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Protecting mine cost a fiver so it's daft not to.
That said, Admiral were sill fussed about the fact I had a claim three years ago when a named driver on my policy crashed.
So PNCB is a bit of a con as you'll still have a claim on record.
Just meant I needed to shop around a bit.
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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protected no claims is good if you have more then 3 years to protect
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Graham88
Member
Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
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My Dad would kill me if I didn't protect his NCB  It cost £80.
The insurance company definetly said to me that it won't affect him if I crash as a named driver though.
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
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Bet they're not willing to provide that in writing. I would guess that's a complete lie.
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John
Member
Registered: 30th Jun 03
User status: Offline
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Agree with Ian.
Graham you didn't get the bit about protected/non protected, I know it costs more to protect, I'm questioning whether the quote would go down or say the same if your previous no claims bonus is protected or unprotected.
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Carl
Member
Registered: 9th May 04
Location: Jimmy Bennett's la la land.
User status: Offline
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Lee was right, I don't have to pay excess if not claiming for any damages to my car, that is what admiral said on the phone today! Bit of a result.
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
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I'm sure you should do, get it in writing.
I've never known a policy excess being waived just because you don't fix your own stuff.
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Jambo
Member
Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline
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What John/Ian said.
On my elephant policy. A couple of years back my sis crashed on my mums policy. I put my mum down as named driver to make cheaper and when they asked about accidents I said none. Then the lady went on hold came back on the phone and started getting asset with me saying I was trying to provide false info and my mum had been in an accident etc. It took a few mins of discussion to establish it was because of my sisters accident on my mums policy.
So in short thata rubbish Graham!
I put Mrs Jambo on my policy she drove twice supervised I then removed her lol
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Graham88
Member
Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
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Well that's not right then because my parents were both on my old Fiesta policy and I crashed and they haven't had nothing back from it, including a claim on their own insurance which is going through at the moment?
[Edited on 06-12-2010 by Graham88]
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John
Member
Registered: 30th Jun 03
User status: Offline
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Named drivers or policy holder?
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Carl
Member
Registered: 9th May 04
Location: Jimmy Bennett's la la land.
User status: Offline
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My girlfriend got told the same about no excess to pay so it is looking correct. We'll see anyway.
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Graham88
Member
Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
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quote:
Originally posted by John
Named drivers or policy holder?
Named drivers.
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John
Member
Registered: 30th Jun 03
User status: Offline
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Doesn't affect named drivers if someone else on the policy crashes, only affects policy holder if a named driver crashes.
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John
Member
Registered: 30th Jun 03
User status: Offline
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I had read it, read it again to be sure and still don't get what you mean?
If a named driver on a policy crashes it affects the policy holder, which is exactly what Jambo said, maybe you should read it again?
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
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The named driver should technically disclose it to their current/future insurers as well.
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John
Member
Registered: 30th Jun 03
User status: Offline
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If the named driver has crashed then both they and the policy holder have to declare it.
If policy holder crashes named drivers don't have to declare.
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
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I would agree with that.
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Graham88
Member
Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
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That's bullshit tbh.
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baza31
Member
Registered: 19th Apr 03
Location: yorkshire
User status: Offline
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why would you put anyone on your insurance in the first place? especially a women? all them years driving safe for them to ruin it. I could of added my gf onto my traders for £80 odd but there wasnt a chance in hell, if i lost my traders no claims it would cost me thousands
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John
Member
Registered: 30th Jun 03
User status: Offline
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You could just steal some off your gran to cover it though.
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baza31
Member
Registered: 19th Apr 03
Location: yorkshire
User status: Offline
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well done john you plant pot
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Fro
Member
Registered: 20th Jun 06
Location: Rainham, Essex Drives: A3 2.0TDi Sport
User status: Offline
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You can protect or gaurantee no claims iirc
Think protecting saves a bit if you have an accident but gauranteeing saves the lot? could be wrong though
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chr15barn3s
Member
Registered: 5th Oct 03
Location: Farnborough
User status: Offline
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quote:
Originally posted by LeeM
quote:
Originally posted by Tomnova16
The person who's insurance is paying for the repairs pays the excess. Ie the person who's at fault pays the excess
oh and cheers jambo 
id check the policy, im 90% sure you dont pay the excess if its a third party claim and only when its a claim for your own vehicle.
My mum bumped someone the other week. Theres no damage to her car and so she isn't claiming for that. The other person says their bumper was damaged and are going through their insurance. Direct Line didn't want anything from my Mum in terms of excess although it is down as her fault. They said the other persons insurance deal with that.
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