Soldato
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- 29 Dec 2009
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You can also get Admirals 10 month policy = 1 years NCB just to further confuse things 
Blackbox data shared with other insurers?
- Thread starter kitkat9933
- Start date
Yes I know but you don't get your first NCD until you have completed 12 months of driving, so when you come to insure your car for the 2nd time you get to use your 1 years NCD. 12 months pass and you come to renew your insurance for the 3rd time, you get to use your 2 years NCD.
[TW]Fox;29887789 said:I'm honestly not even sure how to explain it any further.
If you have been driving for 5 years, youve been... driving for 5 years. You don't get 5 years NCB after 6 claim free years you get it after 5
My head hurts
Nor can you say "I've held my license for a year" until 12 months of driving, so 5 years of driving equals had your licence 5 years equals 5 years NCB.
It's as simple as that
I highly doubt it's anything to do with the black box, particularly as many insurers don't even have that system in place - it's more likely your postcode / car / a combination of both has been classified as a higher risk since you last bought insurance.
That said, £1200 on a new C class for a 24 year old with 5 years NCB is incredibly high - it would be half that for me at 21 with 4 years NCB and a bad postcode.
That said, £1200 on a new C class for a 24 year old with 5 years NCB is incredibly high - it would be half that for me at 21 with 4 years NCB and a bad postcode.
Not really.
The idea is to make it attractive for drivers under the age of 25 where they're effectively rewarded for good driving - by reducing their premiums (hence why the OP has had it quite cheap).
Accelerating and cornering is easy, if you want to accelerate off a set of lights and do 0-40 mph in a couple of seconds, then that quite obviously isn't careful driving. Exactly the same with cornering at high speeds.
Motorway miles shouldn't make any difference, as long as you're at the speed limit.
At the end of the day if you don't want to drive "carefully" then don't get a black box, otherwise suffer with an enhanced premium just like the OP will now have to.
![[TW]Fox](/data/man-of-honor/2009.png){kind=avatar}
Correct - at this point, you have been driving for 1 year. And you have 1 years NCB.
At the end of your first year, when you have been driving for 1 year and have 1 years NCB..
Correct!
At which point you've been driving 2 years, so....
Exactly.
This is getting a bit scary to be honest
So I wasn't far off, I think we are working it out differently, I'm talking about the start of the policy and you guys are talking about when the policy ends.
So neither of us are wrong and we can just go ahead and forget about all of that..
So neither of us are wrong and we can just go ahead and forget about all of that..
I think Fox is talking about at the end of each insurance period and you're referring to the beginning - you're saying the same thing really.
Working in the industry (though not personal motor), I'd be immensely surprised if anyone was sharing their black box data. This is new technology, most insurers who offer it have gone down different paths technologically, and it's just one element of "big data" now being used - think Google - they don't share their data with any of their competitors in the data market.
Edit: I should really refresh the page before posting...
As Geekman says, a lot of it is down to postcode, but insurers are using credit information and various other sources to build a risk profile. It's too complicated these days to nail it down to one thing unless only one thing has changed (e.g. you've moved house). Don't forget also, since last year the personal motor market has become a lot more expensive anyway, including the increase in IPT. That doesn't account for a 100% increase though. Are you insured with the EUI group (Admiral, Bell, Diamond, Elephant)?
Working in the industry (though not personal motor), I'd be immensely surprised if anyone was sharing their black box data. This is new technology, most insurers who offer it have gone down different paths technologically, and it's just one element of "big data" now being used - think Google - they don't share their data with any of their competitors in the data market.
Edit: I should really refresh the page before posting...
As Geekman says, a lot of it is down to postcode, but insurers are using credit information and various other sources to build a risk profile. It's too complicated these days to nail it down to one thing unless only one thing has changed (e.g. you've moved house). Don't forget also, since last year the personal motor market has become a lot more expensive anyway, including the increase in IPT. That doesn't account for a 100% increase though. Are you insured with the EUI group (Admiral, Bell, Diamond, Elephant)?
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You were completely wrong
It was completely clear cut - he has been driving 5 years. If he was 'starting' his 5th year he'd have been driving 4 years.
Remember - this started because you took issue with:
' I had held my licence for 5 years, had 5 years NCB '
Somebody who has held a license for 5 years is beginning year 6...
So neither of us are wrong and we can just go ahead and forget about all of that..
You were wrong - it's that simple. Sorry
You can also get Admirals 10 month policy = 1 years NCB just to further confuse things
Yea until you try to use another/cheaper/better insurer and they will simply recalculate it based on 12 months
Yea until you try to use another/cheaper/better insurer and they will simply recalculate it based on 12 months
I never had one of those 10 month policies, but in my experience a half decent insurer will be quite flexible when it comes to NCB. On one occasion I asked nicely for 3 months for nothing and they did it without quibble. Another time I asked to cover a car without any bonus because it was in use on another car and they said fine we'll mirror that then, so now I have 2 lots of 6 years.
I did an extra account on insurance comparative websites, with details like mine, but a 2 days later date of birth and my neighbour's flat number.
I did that for 2 reasons, mainly because sometimes when you check this sites some insurance companies will do a credit check on you, even if you don't buy insurance with them, rising the amount of searches and it might lower your credit score AND secondly because once my insurance renew was £100 more on the same company than the year before, when I did with this other account it was cheaper... so I called them and got the price matched to that.
I did that for 2 reasons, mainly because sometimes when you check this sites some insurance companies will do a credit check on you, even if you don't buy insurance with them, rising the amount of searches and it might lower your credit score AND secondly because once my insurance renew was £100 more on the same company than the year before, when I did with this other account it was cheaper... so I called them and got the price matched to that.
Soldato
- Joined
- 29 Dec 2009
- Posts
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Yea until you try to use another/cheaper/better insurer and they will simply recalculate it based on 12 months
Never had any issues moving from Admiral and using their NCB nor has my father.
They started working out more expensive than 12 month policies from others hence our moving away to other insurers