Selling your classic car? It's FREE to list your car on Honest John Classics | No thanks
Classic insurance NCB
ricohman
on 4 July 2007
Ive had a E30 BMW 320 on classic insurance with Carole Nash for 3 years, and just got my renewal and it didnt show any NCB, when i rung they said you dont get NCB with a classic insurance, which i didnt know, so i have had 3 years motoring without any NCB
I was thinking of getting a newer car next year, but looks like i wont be able too prove how many years NCB i have, because i read somewhere that NCB expires after 2 years.
Is this right, or is there a way out this, so i dont have too start again with 0 NCB?
I was thinking of getting a newer car next year, but looks like i wont be able too prove how many years NCB i have, because i read somewhere that NCB expires after 2 years.
Is this right, or is there a way out this, so i dont have too start again with 0 NCB?
Comments
tr7v8 on 4 July 2007
No classic policy ever gives NCB. They normally assume you have access to another car, some in your name. So surprised you managed to get a standalone policy without.
bell boy on 4 July 2007
i never knew thatvery interesting
surely someone does a ncb though on an old clonker?
Aprilia on 4 July 2007
I think its normally a condition of CC insurance that you have another 'normal' policy on your everyday car. CC insurance does not earn you an NCB.
daveyjp on 4 July 2007
NCB expiration varies from company to company - LV is four years.
mike hannon on 4 July 2007
I used Norwich Union and Lancaster collector's car policies, among others, for many years. There never was any NCD and the rule was you had to have a daily driver (although I was allowed to commute to some extent with my P6 V8 and did).I think it was the case that the companies would provide evidence that you had a claim-free record with them if you were offered an introductory discount on another policy, which was a sort of substitute for NCD.
martint123 on 4 July 2007
It's swings and roundabouts I guess.You don't get hammered for having no NCD when you first get the policy, the payback being you don't earn any.
It's like having two cars on a single policy - nice to start, but if you ever want to split them you only get the NCD on one of them.
ricohman on 4 July 2007
Been on to Carole Nash again (different person more helpfull) and she said that they would "provide evidence that i have a claim free record with them" if i change my insurance to another company, so panic over, i hope.Thanks for all replys
colynn on 4 July 2007
I have just received my renewal for my kit car and it shows the NCD. I was wondering if I could transfer this to my Son when he gets to 17 and buys a car.sorry I will correct my own post
When I buy him a car, Tax it and Insure it, pay for the Petrol, Services, Repairs etc.
Colin
Jono_99 on 4 July 2007
Some brokers will offer you NCB discount on a classic policy; you just need a letter from the insurer to say that you have not made a claim over the last X years.Apologies, I don't know who will, all I know is that my Father in Law did this, in order to get some NCB for a 'regular' car
Jon
bazza1603 on 4 July 2007
I got a company car. Two years went by and I wanted to stop my no claims running out. I got a Spitfire just before the two years were up and I rang Lancaster Insurance who used my 8 years no claims on my classic policy. Its cost about £20 more than normal, but still only £140 fully comp incl decent breakdown service.
jc2 on 4 July 2007
I had a kit car and had no problem with NCB but a classic car is something else and usually has a restriction on milage which is why you need a second car.
Armitage Shanks {p} on 4 July 2007
When I had a classic car, a long time ago and not very classic (chrome bumber MGB) I got no claims discount but the premium would not be reduced to below £100 a year. This was a reasonable sum at the time, late 80s.Add a comment
Compare classic car insurance quotes and buy online. A friendly service offering access to a range of policies and benefits.
Elsewhere on 
