|
|
Post by Paulus17 on Oct 26, 2018 18:57:14 GMT
Thanks for the replies folks :TU: I found out this afternoon after phoning an insurance company up that you can't use your no claims discount on two cars, it's either one or the other so the other would have no NCD on it which with this particular quote worked out expensive for the Rav  I also phoned for a multicar quote with low mileage and again that was working out too expensive, that was with Admiral  The plan was to tax the Rav for the winter months and even insure for the twelve months as has you have pointed out in case anything happens to it so would also have to be SORN for six months with no tax on it. So looks like we've dropped a big b____ck :yes: So anyone wanna buy a nice 3 door Rav :yes: |
|
|
|
Post by phaeton on Oct 26, 2018 19:54:25 GMT
Well I'm not saying that I have ever done this cough cough but if you have the NCD from the last renewal & you go to another insurance company. How do they know it's on another car, again another insurance scam by companies to fiddle more money out of us.
|
|
|
|
Post by three5 on Oct 26, 2018 20:37:55 GMT
Nope it can't have valid VED & no insurance but can have no VED & no insurance.
I have to say this is one of my big hates I've had up to 5 cars at once but obviously can only drive one at once, you ought to be able to buy insurance on a personal basis, you buy insurance up to a certain value of car or certain HP or whatever criteria they want to set them you can drive any car up to that.
My brother-in-law lived in Switzerland ( work ) for about 5 years. They have a much more sensible approach to people with more than one car. They recognise the point that you make "you can only drive one at once". He had an Audi A6 for work ( no company cars in Switzerland! ) and a 1996 Porche Boxter for fun at weekends. The number plates are recognition that the tax and insurance has been paid and are transferable between the cars you own! So, the Boxter had the highest road tax / insurance and he paid for that but could transfer the plates to the Audi and back again at will! A very bright nation the Swiss  |
|
|
|
Post by firemac on Oct 26, 2018 21:09:24 GMT
Thanks for the replies folks :TU: I found out this afternoon after phoning an insurance company up that you can't use your no claims discount on two cars, it's either one or the other so the other would have no NCD on it which with this particular quote worked out expensive for the Rav I also phoned for a multicar quote with low mileage and again that was working out too expensive, that was with Admiral The plan was to tax the Rav for the winter months and even insure for the twelve months as has you have pointed out in case anything happens to it so would also have to be SORN for six months with no tax on it. So looks like we've dropped a big b____ck :yes: So anyone wanna buy a nice 3 door Rav :yes: Don't give up yet, Paul. Go the old route and speak to one or two brokers first. They might just come up with a solution. Failing that, can't you insure one car each, you and Mrs. P? |
|
|
|
Post by Paulus17 on Oct 27, 2018 9:07:26 GMT
Thanks for the replies folks  I found out this afternoon after phoning an insurance company up that you can't use your no claims discount on two cars, it's either one or the other so the other would have no NCD on it which with this particular quote worked out expensive for the Rav I also phoned for a multicar quote with low mileage and again that was working out too expensive, that was with Admiral  The plan was to tax the Rav for the winter months and even insure for the twelve months as has you have pointed out in case anything happens to it so would also have to be SORN for six months with no tax on it. So looks like we've dropped a big b____ck  So anyone wanna buy a nice 3 door Rav Don't give up yet, Paul. Go the old route and speak to one or two brokers first. They might just come up with a solution. Failing that, can't you insure one car each, you and Mrs. P? Cheers Jim. :TU: I don't drive any more so don't have a license so haven't had car ins for years so will be just as bad i'd have thought if I could? We never even gave the insurance a thought as I thought the NCD would apply to both cars as only one will be driven at a time but I will keep trying to see if I can find owt cheaper?? |
|
|
|
Post by phaeton on Oct 27, 2018 9:58:33 GMT
My brother-in-law lived in Switzerland ( work ) for about 5 years. They have a much more sensible approach to people with more than one car. They recognise the point that you make "you can only drive one at once". He had an Audi A6 for work ( no company cars in Switzerland! ) and a 1996 Porche Boxter for fun at weekends. The number plates are recognition that the tax and insurance has been paid and are transferable between the cars you own! So, the Boxter had the highest road tax / insurance and he paid for that but could transfer the plates to the Audi and back again at will! A very bright nation the Swiss
That's too sensible for the money grabbing insurance companies over here
|
|
|
|
Post by phaeton on Oct 27, 2018 10:00:55 GMT
I don't drive any more so don't have a license so haven't had car ins for years so will be just as bad i'd have thought if I could? We never even gave the insurance a thought as I thought the NCD would apply to both cars as only one will be driven at a time but I will keep trying to see if I can find owt cheaper??
As I said earlier, just go online, compare the whatever, tell them you have the NCD unless it specifically asks is it being used on another vehicle you are not telling any porkies so it is valid.
|
|
|
|
Post by firemac on Oct 27, 2018 10:23:30 GMT
I don't drive any more so don't have a license so haven't had car ins for years so will be just as bad i'd have thought if I could? We never even gave the insurance a thought as I thought the NCD would apply to both cars as only one will be driven at a time but I will keep trying to see if I can find owt cheaper??
As I said earlier, just go online, compare the whatever, tell them you have the NCD unless it specifically asks is it being used on another vehicle you are not telling any porkies so it is valid.
I'm no lawyer but as insurance is a contract of good faith, the brown, smelly effluent would contact the whirling disc if you ever had a claim and the insurance company started their investigations. The insurance industry might be shitty as hell and geared against the man in the street but you would pay a heavy price if found guilty of fraud. |
|
|
|
Post by firemac on Oct 27, 2018 10:29:44 GMT
Don't give up yet, Paul. Go the old route and speak to one or two brokers first. They might just come up with a solution. Failing that, can't you insure one car each, you and Mrs. P? Cheers Jim. I don't drive any more so don't have a license so haven't had car ins for years so will be just as bad i'd have thought if I could? We never even gave the insurance a thought as I thought the NCD would apply to both cars as only one will be driven at a time but I will keep trying to see if I can find owt cheaper?? How about getting a provisional licence and insuring yourself on the cheaper of the two cars on that? You aren't required to take the test for 2 years so that would give you some breathing space to see what you want to do (i.e. keep one car or the other). Also, the premiums tend to be cheaper as a learner than they are when you eventually pass.
I don't know why you gave up driving but maybe the RAV might tempt you back??
|
|
|
|
Post by phaeton on Oct 27, 2018 10:39:02 GMT
I'm no lawyer but as insurance is a contract of good faith, the brown, smelly effluent would contact the whirling disc if you ever had a claim and the insurance company started their investigations. The insurance industry might be shitty as hell and geared against the man in the street but you would pay a heavy price if found guilty of fraud.
Hence why I stated unless it specifically asks if the NCD is being used on another vehicle, I was told this by a broker many years ago & at one point I had 3 sets of NCD all with 10 years. There is no reason other than the insurance companies screwing people over, if you have 10 years NCD, you are not going to drive car A any different to car B, the premium should reflect the car, not the driver in this instance.
|
|
|
|
Post by firemac on Oct 27, 2018 11:06:49 GMT
I'm no lawyer but as insurance is a contract of good faith, the brown, smelly effluent would contact the whirling disc if you ever had a claim and the insurance company started their investigations. The insurance industry might be shitty as hell and geared against the man in the street but you would pay a heavy price if found guilty of fraud.
Hence why I stated unless it specifically asks if the NCD is being used on another vehicle, I was told this by a broker many years ago & at one point I had 3 sets of NCD all with 10 years. There is no reason other than the insurance companies screwing people over, if you have 10 years NCD, you are not going to drive car A any different to car B, the premium should reflect the car, not the driver in this instance.
The premium is based on risk therefore the driver, car, usage, domicile are all factors. What should be and what IS aren't the same things when it comes to contract law. |
|
|
|
Post by phaeton on Oct 27, 2018 11:22:22 GMT
The premium is based on risk therefore the driver, car, usage, domicile are all factors. What should be and what IS aren't the same things when it comes to contract law.
We interpret that differently & it's down to each person to do that, but as you point out the premium is based on 'driver' the driver will be the same across all cars, therefore the NCD can apply across all cars, if the policy questionnaire does not specifically ask if the NCD is being used on another vehicle then nothing is being done incorrectly.
If it states
Do you have any NCD then the answer is Yes
If it states
Do you have any NCD that is not being used on another vehicle then the answer is No
|
|
|
|
Post by Paulus17 on Oct 27, 2018 14:38:27 GMT
OK folks well i've been phoning round and getting on line quotes and are all coming out pretty much the same except for Aviva who are doing 20% off new quotes for previous customers which Mrs P was and they are by far the cheapest even without the discount so looks like we will be going with them for now and keeping the little Rav, well for six months at least as it was also taxed this morning to run from the 1st November. Why do quotes come out with such a huge difference in prices, LV wanted nearly £1300  which is more than triple what Aviva have quoted us. |
|
|
|
Post by firemac on Oct 27, 2018 15:13:53 GMT
OK folks well i've been phoning round and getting on line quotes and are all coming out pretty much the same except for Aviva who are doing 20% off new quotes for previous customers which Mrs P was and they are by far the cheapest even without the discount so looks like we will be going with them for now and keeping the little Rav, well for six months at least as it was also taxed this morning to run from the 1st November. Why do quotes come out with such a huge difference in prices, LV wanted nearly £1300 which is more than triple what Aviva have quoted us. That's good, Paul. It gives you some breathing space to decide what to do later. Meanwhile enjoy the RAV. |
|
|
|
Post by bigkev on Oct 27, 2018 15:33:09 GMT
OK folks well i've been phoning round and getting on line quotes and are all coming out pretty much the same except for Aviva who are doing 20% off new quotes for previous customers which Mrs P was and they are by far the cheapest even without the discount so looks like we will be going with them for now and keeping the little Rav, well for six months at least as it was also taxed this morning to run from the 1st November. Why do quotes come out with such a huge difference in prices, LV wanted nearly £1300  which is more than triple what Aviva have quoted us. The variance in quotes is simple, Paul. 1. Have we reached target for today......this week.....this month.....? Yes......quote any old pish. No........negotiate with possible client. 2. How much is this diddy willing to pay.......? Much as what Phaeton says makes sense to us barrack room lawyers, when push comes to shove.......who would win the argument in the event of a claim being made.....? Ma mild mannered mate Paul, or some big inshoorinse company saying YOU tried to bend the RULES OF TRUST.........GYTF.......SEE YAY IN COURT. My money is on the insurance company winning that one HANDS DOWN.....LOL. |
|
which is more than triple what Aviva have quoted us.
which is more than triple what Aviva have quoted us.