Hi all,

 

I'm getting in a bit of a muddle with my insurance and need to know what to do. I've just bought a new Fabia and am collecting it on Wednesday. The following represents my current insurance position:

• I own a Skoda Fabia MKI which is insured with GoGirl (yea, I know....);
• I currently have 9 years protected NCB on this policy;
• It doesn't expire until April next year;

Now, I have a new car as mentioned before, but how the hell do I deal with the switching of policies/NCB yada yada yada..? There are some options (I think) I have, but I don't know what to do.... help!

1. Call up GoGirl and ask them to switch vehicles on the existing policy? By doing this however, I know this may incur an inordinately large fee, and how can I sell my other car if I can't get in it to let potential purchasers test drive it?;
2. Take up the Skoda (Ageas) free year of insurance? However on speaking to them, they say that I cannot protect my 9 years of NCB and should I claim and it's my fault I will automatically go back to 3 years regardless of how many I have. Seems very risky to me....?;
3. Take out a brand new policy, and at a glance, I'm looking at around £180 for the year. However, if I do this, what happens to my NCB (this question applies to #2. as well). I'm insured on a car already, so how do I transfer my NCB if it exists elsewhere? Can it mirror over various policies? And, I guess I can't say I have 9 years and 6 months?

I'm so confused and I need some sound advice!

Thanks all

AFAIK your current insurer can usually transfer your policy to the new car AND give you temporary insurance on your old car for around 30 days for a small fee. It's worth giving them a ring to ask.

Also, with the skoda insurance, your NCB can only be used on one policy at a time, so not sure how you could have the 9 years on both??

Well that first one's definitely an option! 

 

So wait a second, as my NCB can only be used on one policy (ie the one already in place on my old Fabia), then do I just say to Skoda for the free year that I have 0 NCB? Thus in a years time, I can use the 9 years from my then to be expired policy? Or will that expire in itself and revert to 0?

 

I'm so confused! :/

YES If you took the 1 year free insurance, then sold the old car in February next year for eg, then you could either swap your gogirl insurance to the new car or wait until the gogirl insurance is due for renewal then swap or let the gogirl expire and renew insurance when free insurance runs out. So long as you have proof of ncb from gogirl afaik you have 2 years you can lapse insurance before your ncb expires. For each car you insure you must earn separate ncb, though no doubt if you crashed one the insurance on the other would also rise you wouldn't lose the ncb on the other. There may be multi-car policies that are available that allow ncb to count across more than one car but you would have to ring round and find out.

 

If you did take the free insurance then you would have to tell skoda you were declaring 0 years ncb (as its free who cares) then at the end of the year you would have earned a years ncb as well as carrying 9 years on gogirl, so if for eg you wanted to run a second car with a higher insurance group you would insure the dear one with 9 years ncb and the cheaper one with 1 years ncb.

YES If you took the 1 year free insurance, then sold the old car in February next year for eg, then you could either swap your gogirl insurance to the new car or wait until the gogirl insurance is due for renewal then swap or let the gogirl expire and renew insurance when free insurance runs out. So long as you have proof of ncb from gogirl afaik you have 2 years you can lapse insurance before your ncb expires. For each car you insure you must earn separate ncb, though no doubt if you crashed one the insurance on the other would also rise you wouldn't lose the ncb on the other. There may be multi-car policies that are available that allow ncb to count across more than one car but you would have to ring round and find out.

 

If you did take the free insurance then you would have to tell skoda you were declaring 0 years ncb (as its free who cares) then at the end of the year you would have earned a years ncb as well as carrying 9 years on gogirl, so if for eg you wanted to run a second car with a higher insurance group you would insure the dear one with 9 years ncb and the cheaper one with 1 years ncb.

 

Wow, I didn't know that it worked like that! So just for clarity if I've understood you correctly.... this is what I'm going to do. My old Fabia will be for sale on Wednesday, I have no intention of keeping 2 cars (or 2 policies for that matter).

• So I'm going to call Skoda tomorrow, arrange my year of free insurance quoting 0 years of NCB. Which is legit anyway because I still have 6 months left on the other car.
• I will not contact GoGirl, unless I sell the car before April in which case I'll cancel the policy and ask for my 9 years NCB certificate.
• When it comes to Sept '16 I will cancel the free insurance, go back to one of the many online brokers, and reuse my 9 years NCB that I attained from GoGirl.

Sound about right?

 

1 question though, if I did crash the new Fabia, obviously with 0 years of NCB on that policy, little happens. But, would I still be allowed in the future to use my other 9 years of NCB on the renewal, or does that become null because I crashed under a different policy?

 

Sorry if this all sounds stupid, but I don't want to c*ck up and end up taking a free deal and losing all those lovely years of NCB.

 

I do really appreciate the impartial advice!!!

Edited 19 October, 201510 yr by jonboyuk

Wow, I didn't know that it worked like that! So just for clarity if I've understood you correctly.... this is what I'm going to do. My old Fabia will be for sale on Wednesday, I have no intention of keeping 2 cars (or 2 policies for that matter).

• So I'm going to call Skoda tomorrow, arrange my year of free insurance quoting 0 years of NCB. Which is legit anyway because I still have 6 months left on the other car.
• I will not contact GoGirl, unless I sell the car before April in which case I'll cancel the policy and ask for my 9 years NCB certificate.
• When it comes to Sept '16 I will cancel the free insurance, go back to one of the many online brokers, and reuse my 9 years NCB that I attained from GoGirl.

Sound about right? YES afaik it was the case the last time i looked into running one car, swmbo could run for a year then I run for a year in rotation and then neither would lose ncb, having one policy in limbo.

 

1 question though, if I did crash the new Fabia, obviously with 0 years of NCB on that policy, little happens. But, would I still be allowed in the future to use my other 9 years of NCB on the renewal, or does that become null because I crashed under a different policy? IF you crashed the new car you would still keep the 9 years ncb on the old policy, however you would still have to declare the fact you had a crash in a vehicle under another policy. May or may not put the price up depending on insurer. For instance I have crashed the GPO van but it as neither effected my ncb or put up my insurance. 

 

Sorry if this all sounds stupid, but I don't want to c*ck up and end up taking a free deal and losing all those lovely years of NCB.

 

I do really appreciate the impartial advice!!!

 

Edit: just found this http://www.planinsurance.co.uk/insurance-no-claims-faq/#Plan_Insurance   HTH

Great and thanks! I've done it, and am now insured for free! I was honest and I said I have another policy on another car with 9 years NCB, to which they said no problem and have put 0 on the new policy! I will do exactly as you said Pat, and transfer the NCB next year.

 

Much appreciated to all who contributed!

Hi,

Have you tried us for Insurance yet? If not, I'd be happy to arrange for our quotes team to give you a call. Just PM me your email and telephone.

Kind Regards
Dan