OT Big insurance quote

Depends on your policy, also the quote may go up regardless of no claims since you have had an accident.

Bitstring , from the wonderful person Bruno said

Depends on your insurance company and whether you had protected your NCB in any way. The answer could be anywhere between '10, with one strike against you' to 'none'.

I realise that the quote will go up a lot due to the accident but they have dropped my NCB to 1 year Does this sound right? I was expexting about 2 years

NCD stepback is usually 2 years. If you had 10 years NCD that is the equivalent of 5 years NCD so one fault claim would reduced that to 3 years NCD (50%). Its a bit harsh if your insurer has knocked it down to 1 year. I woud check it with them.

"James" wrote

... for one claim. I wonder if the OP had two claims that year?

"James" wrote

Not always. For instance, with esure you continue to get more NCD after 5 years.

"James" wrote

Protected NCB isn't very common in commercial policy such as vans.

Alec

Bitstring , from the wonderful person Tim said

But what I gather you =don't= get is a replacement car if yours is, for instance, nicked. Always pays to check the policy details really carefully!!

Bitstring , from the wonderful person Alec said

I don't believe I mentioned the word 'common' anywhere in my post. 8>.

"GSV Three Minds in a Can" wrote

Yes, I know ;-) But then, I'd just use our other car!!

I've found in the past that "replacement" cars generally aren't really much of a true "replacement" anyway -- smaller, much lower spec (even once no radio at all!), manual instead of automatic, etc etc....

Since my car is a 7 year old banger, the virtually new replacement I got to drive was very nice indeed.

Yes, but isn't it minute increments? An extra 1% a year or something like that?

Others have answered that question, but you probably know that there aren't many insurers who will underwrite a policy on a commercial vehicle. The one we use (and which has consistently come in cheapest) is Premierline.

"Blackthorn" wrote

Don't knock those "minute 1% increments"!

Hence, after a further 5 years you actually have a further nearly **17%** off the "5yr NCD" price of 210.

If another insurer quoted just a 15% discount off basic premium, wouldn't you jump for it?

lol, don't knock those lower spec replacement cars!

Regardless of whether you call it a few extra % or 17% eSure have never been competitive for me.

"Blackthorn" wrote

Perhaps they don't like "7 year old bangers" ? :-(

Or for my wife's brand new car, or for any other vehicle I have tried.

"Blackthorn" wrote

That's interesting - it was the cheapest for both the two cars I tried....

There is no 'cheapest insurer' since it depends on your own circumstances and shopping around will pay off. Out of the blue this year Norwich Union became the cheapest for me after not being anywhere close in previous years and that's for both car and home insurance, and they offer to fix the price (for home) for 2 years if no claims are made, which is handy. esure were previously the best for my home but nowhere close to competitive for the cars. Guess they have to pay Winner's fees somehow.

One drawback is that esure only offer comprehensive cover.