I've recently recieved my renewal notice for the vrs. At first I thought great! £10 cheaper than last year but looking at the policy details carefully they have changed the Policy excess to a higher amount, from £200 to £600. Talking about this with my workmates and some of them checked their policies and found their policies had the same kind of increases. So be aware fellow Briskodians.

Thought I have a shop around the brokers and compare sites as well and cheapest quote is Saga, beats all the others by £60. 50 plusers are GO!

Go? Where? To the home? Down to bingo?

I've recently recieved my renewal notice for the vrs. At first I thought great! £10 cheaper than last year but looking at the policy details carefully they have changed the Policy excess to a higher amount, from £200 to £600. Talking about this with my workmates and some of them checked their policies and found their policies had the same kind of increases. So be aware fellow Briskodians.

Thought I have a shop around the brokers and compare sites as well and cheapest quote is Saga, beats all the others by £60. 50 plusers are GO!

I'm with Saga

Fully comp ( standard Fabia Vrs ) me and Swmbo £18 a Month.. :yes:

Another thing to consider is what cars you are covered to drive - traditionally fully comprehensive insurance used to cover you for the car you insured, plus 3rd party cover driving other vehicles not owned by you. Many insurers are printing the vehicle reg on the policy document and excluding you from driving other cars.

And another - don't pay for NCD protection, it's a con. If you make a claim they will just increase your base premium anyway, it's not worth paying for.

I disagree on NCB protection.

I had a prang with NCB protection a few years ago in my Renault.

I was deemed at fault - the guy in front may have stopped for no real reason, but I too should have been able to stop.

Because of protected NCB I didn't lose any.

My premium at the end of the year increased no more than any other policy increased.

On shopping around, although I ha to declare the accident, the fact I still have full NCB meant the premiums were not increased.

I tested this by getting an online quote without mentioning the accident and then adding the accident.

Because of my NCB the premium simply didn't alter.

Protected NCB means you can have 2 at fault accidents in a 3 year period and still retain that NCB.

When you're driving around with 17yrs of NCB (yer I know, many places only count to 5) I feel protection, which doesn't cost that much, is well worth it.

Another thing to consider is what cars you are covered to drive - traditionally fully comprehensive insurance used to cover you for the car you insured, plus 3rd party cover driving other vehicles not owned by you. Many insurers are printing the vehicle reg on the policy document and excluding you from driving other cars.

And another - don't pay for NCD protection, it's a con. If you make a claim they will just increase your base premium anyway, it's not worth paying for.

I can still drive other cars on the policy, haven't had that deleted yet. As for NCB I think it is worth it especially when you are changing ins. co.

Go? Where? To the home? Down to bingo?

I go whever I like, definitely not to Bingo, unless you are paying!

NCB protection costs 15-25% of the cost of the policy. If you went in a shop and there were 2 identical products, one for £1 and one for £1.25, which would you buy?

In any case you are protecting NCB NOT premium. Your base premium will rise if you make a claim by the same amount that if you didn't protect NCB. It's just that the protected NCB will be applied to it.

Many companies will not accept protected NCB if you have made a claim, meaning you're tied to your existing insurer. It's an add-on policy that insurance companies provide to boost profits, without actually providing anything for it.

Edited 24 February, 201016 yr by Irvtheswerv

I go whever I like, definitely not to Bingo, unless you are paying!

No, sorry! I've got a V6 to feed

NCB protection costs 15-25% of the cost of the policy. If you went in a shop and there were 2 identical products, one for £1 and one for £1.25, which would you buy?

In any case you are protecting NCB NOT premium. Your base premium will rise if you make a claim by the same amount that if you didn't protect NCB. It's just that the protected NCB will be applied to it.

Many companies will not accept protected NCB if you have made a claim, meaning you're tied to your existing insurer. It's an add-on policy that insurance companies provide to boost profits, without actually providing anything for it.

Then you've answered your own statement on if its worth it or not.

No Protection:

1 at fault accident.

Rise in premium because of your accident.

No NCB because you've lost it.

(Double penalty)

Protection:

Rise in premium because of your accident

NCB at maximum level still applies because you haven't lost it.

(Single penalty due to accident)

I can also confirm that I change insurance companies every year and never was I told I couldn't bring "protected NCB" with me.

IE. Just because I'd had an at fault accident with Direct Line, didn't mean I didn't still have full NCB with Norwich Union the following year.