You might have a problem if you have more years NCB than you are years over 17 as their systems might work out you haven't been driving that long. I know a bloke who had this or something like this with his renewal. (Can't remember the EXACT tale!)
10 Month 'Accelerator' Insurance Policies
- Thread starter BennyC
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I used bonus accelerators for the first two car insurance policies I had and now it just shows up as two years NCB, however I'd held a license for quite a long time before I got a car of my own so it doesn't cause any anomalies in that regard anyway.
They are very useful.
I must be one of the few people in the world whose car insurance went down year after year using the 10 month jobs.
I think it went from around £700 at the beginning to £236 over whatever time it was...
Not eons, but must have been around 4 policies.
No claims is fine, its a straight one year NCB as far as anyone is concerned.
I must be one of the few people in the world whose car insurance went down year after year using the 10 month jobs.
I think it went from around £700 at the beginning to £236 over whatever time it was...
Not eons, but must have been around 4 policies.
No claims is fine, its a straight one year NCB as far as anyone is concerned.
Not the same, but similar - Last year I took out a Multicar policy for the ST and the Mondeo, where Admiral assured me that they would mirror my no claims and would give me two separate NCD at the end of it.
Sure enough, come renewal I have two lots of 4 years no claims, which is really useful. However, when chatting to my local broker about it, he claimed that they cannot simply pull NCD from thin air and had a big moan about it. However, once I said that if I did not tell you, and as far as you can see they tell you I have two lots of 4 years NCD, you are none the wiser. At which point, he conceded and went ahead with a proper four years NCD.
This same chap told me a few years ago that I should be careful about 10 month policies - just the same as he moans every time Admiral are mentioned - bleating on about not being covered when you're drunk and their use of second hand parts when repairing cars. Last year he refused to match Admiral, this year he did after I explained that I honestly didn't care about that stuff, as I've not crashed in nearly 7 years of driving, if I did I probably wouldn't claim and if someone hit me, the claim wouldn't be dealt with by Admiral anyway.
I'm waffling - but in short, the knocking of Admirals Bonus Accelerators, Multicar and their various clauses is just a sales technique and nothing more.
Sure enough, come renewal I have two lots of 4 years no claims, which is really useful. However, when chatting to my local broker about it, he claimed that they cannot simply pull NCD from thin air and had a big moan about it. However, once I said that if I did not tell you, and as far as you can see they tell you I have two lots of 4 years NCD, you are none the wiser. At which point, he conceded and went ahead with a proper four years NCD.
This same chap told me a few years ago that I should be careful about 10 month policies - just the same as he moans every time Admiral are mentioned - bleating on about not being covered when you're drunk and their use of second hand parts when repairing cars. Last year he refused to match Admiral, this year he did after I explained that I honestly didn't care about that stuff, as I've not crashed in nearly 7 years of driving, if I did I probably wouldn't claim and if someone hit me, the claim wouldn't be dealt with by Admiral anyway.
I'm waffling - but in short, the knocking of Admirals Bonus Accelerators, Multicar and their various clauses is just a sales technique and nothing more.
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Hmmm...
This is interesting, as EVERYONE I have spoken to at Admiral, including a selection of "managers" have been adamant that you can have only ONE NCB on a multi car policy.
I mean.. two cars doesnt make time go twice as fast does it?
You have a multicar policy, one year passes, you have made no claims, therefore you have one extra year of no claims. Not two, unless you are a time traveller.
How on earth did you manage it, everyone would love to double their no claims with two cars, as so many people have more than one car nowadays.
Spill the beans!
You can only apply for the multicar policy with one NCB but at the end of the policy you walk away with an NCB on Each car on the policy.
You know this as fact?
And both NCB's can be added up together when switching insurers, or when taking another single car policy out?
That would be cool.
you can only have one NCB on the multicar.........per risk, they cant be added together etc, each car is looked at individually, each NCB is built up individually.
This is fact
Sigh, I wish the morons at Admiral had told me about this.
They lost out on my custom, however, I do have a multicar policy with them, but with just the one car!
Still get the discount and works out cheaper than a single car policy, a manager did me a favour, but my god, took about 6 different call centre monkeys for me to explain how it was a single car on a multi policy.
Now I know I can accrue double NCB, the game has been changed, lol.
I was with Admiral and just switched to Adrian Flux, my policy schedule clearly stated my NCB as "4 Years" and that was despite the last 1yr NCB being a 10 month accelerator and the previous 1yr NCB being for the 6 month interim policy to get my car in sync with my partners car so that we could have a multi car policy.