Insurance Q, Claims and NCB

[~Divine~Wind~]

When I started my new policy about 2 weeks into it I wrote off my old focus.
My policy is now up for renewal however I'm 2 weeks short of a NCB.
I'm goign to have to get dates 100% correct and look a bit further into this but what I was thinking...

If I get my insurance and use their 14/28 days guarantee and then cancel after that and then Reinsure WITH my 1 yr NCB will they allow that? Or when I cancel the policy would that then remove any NCB I had?

 

[Philz0r]

Unless you do a full year with your insurance you wont get a ncb (unless its a 10month thing).

 

[~Divine~Wind~]

yeah thats the thing, my renewel is coming but 2 weeks after I gain a NCB.
Basically just wondering if I could get them to match up somehow

 

[Hades]

No it doesn't work like that. You get NCB at the end of a years insurance, if you haven't claimed. Unfortunately you had a claim in the first two weeks so won't start acruing NCB this year. If you make no further claims you will get NCB at the end of next year.

Or at least that's how I understand it.

 

[Yarde]

yeah thats the thing, my renewel is coming but 2 weeks after I gain a NCB.
Basically just wondering if I could get them to match up somehow

yeah, go without a car for 2 weeks!

 

[~Divine~Wind~]

aah I thougth it was a rolling period type thing
Ah nvm then full price it is lol

 

[Peerzy]

Doesn't your insurance end if you make a fault claim that turns out to be a write off?

 

[Hades]

Doesn't your insurance end if you make a fault claim that turns out to be a write off?

That's a very good point. I think it does. There is much strangeness going on here.

 

[IAmATeaf]

I think what the OP is saying is that 2 weeks into his insurance he crashed his car, his insurance renewal date is as was and he thinks that if he waits for the date of the crash then he's had a years worth of driving without a crash. Now breath out

Unfortunately, as pointed out above it doesn't work like that.

 

[Hades]

That can't be the full story because he's talking about reinsuring. So he must have a car insured now (or maybe uninsured!)

EDIT: Just checked the OP's posting history and:

July 2011: Fiesta insurance renewed.
August 2011: Fiesta written off.
September 2011: Seat Leon bought.

So the dates don't make sense. I would expect the renewal to take place in September or early October at a push (assuming there might have been a weeks free insurance with the car)?

 

[rodenal]

When I wrote my first car off (and only thankfully) my insurance was suspended until I found a replacement, they then ran the policy as normal with a revised price until the year end.

Some insurers will ask for the rest of the years premium and cancel the policy though.

To the OP, as has been said elsewhere, you have 0 NCB - if it's any sort of positive you're unlikely to pay too much more next year as you would already have been relatively high risk.

 

[muon]

Total loss claim?