Tracey
Member
Registered: 27th Aug 03
User status: Offline
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My insurance renewal is 27th Jan,
With Diamond at the moment- i had a 10month bonus accelerator
which means after 10months.. i get a FULL years no claims
BUT,
is that ONLY with Diamond,
or would others companys accept this as a years no claims
this i am unsure of:
and I CAN NOT RING THEM AT THIS MOMENT TO ASK, or i would,
so does any one HERE know the answer for me please  
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Gambit
Member
Registered: 5th Jun 00
Location: Common Sense HQ
User status: Offline
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some companies dont accept them, only way to know for sure is to ring them
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Kerry
Member
Registered: 5th Oct 01
Location: Norwich
User status: Offline
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i dont get it....if a policy is for a year then wots the point in givin no claims after 10 months u stil have to go to the end of the year !!!!
but in answer to ure question i should imagine u can take them elsewhere as u can all other no claims
im goin to try diamond when i renew wot are they like with mods tracey?
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mav
Member
Registered: 19th Jun 01
Location: Scotland
User status: Offline
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think mods will be a nono with girl only cheap coverlike that..Imo.
just phonin about for quotes at moment too...due on 24th Jan...
Best so far no is £491 full comp with admiral(who i'm with at moment)
got a few to phone yet..
AA offered £445 but with £500 excess..aye right..only £100 with admiral..
mods declared
wheels
suspension
zorst
ind kit
lights
brakes
[Edited on 13-01-2004 by mav]
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Kerry
Member
Registered: 5th Oct 01
Location: Norwich
User status: Offline
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quote:
Originally posted by mav
think mods will be a nono with girl only cheap coverlike that..Imo.
have u seen her car??????????????????????????????????????????
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Tracey
Member
Registered: 27th Aug 03
User status: Offline
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Kerry- i decleard my mods
and they didnt add NOTHING extra on to the policy
but saying that- i dont have any engine mods
i would assume that they WOULD cahnge the policy for this tho 
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Paul H
Member
Registered: 11th Aug 03
Location: Lincoln.
User status: Offline
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same day mine needs renewing tracey.i'm not sure if you can swap but can't see why not.
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Tracey
Member
Registered: 27th Aug 03
User status: Offline
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i forget what thatcham (sp)my alarm is
D'Oh
[Edited on 13-01-2004 by Tasty_Tracey]
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el gordo
Member
Registered: 21st Dec 03
User status: Offline
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I covered this previously i think.
Diamond are a notoriously shoddy company for their practices...
on the 10-month accellerator program, they will not provide you with proof of NCD at all, and are not required to do so as that applies only to a 12 month policy. That means to benefit from the NCD you just built with them, you have to stick with them and sign up for a 12 month policy in order for them to issue you with 2yrs NCD a year later.
Funnily enough, they tend to introduce quite a hike on this 2nd years premium!
As for if you have a complaint, they aren't governed by the GISC as they refuse to sign up whilever it's not law to do so. This leaves you with one arm behind your back if you have to fight them, effectively, with your only external port of call being the Insurance Ombudsman Service who will only intervene when you've had every other possibility of private contact exhausted (at which point you've usually given up!).
shall I tell you a way to guarantee how to beat your renewal premium?
Barclaycard insurance. You don't need to be a customer, and they guarantee to beat your renewal (not your best quote tho!). Their "premium package" is good for the breakdown as well.
Last but not least, when your renewals come up go to http://www.confused.com - they search a dozen or more major firms on your behalf and as long as the data provided was accurate, thats the price you'll get. At the moment AXA are providing ridiculously cheap quotes, and for the male drivers, stick yer mum on and get about 15% off! (even if she'll never drive it!).
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neiliosxi
Member
Registered: 17th Dec 02
Location: Teesside (NE)Drives: Megane R26
User status: Offline
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oh dear! I would recomend liv vic, they will not charge u any extra for mods, unless they are engine mods, or endsleigh if you are a student, they charged me 16p extra for 17's, roof spoiler & skirts!
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Gambit
Member
Registered: 5th Jun 00
Location: Common Sense HQ
User status: Offline
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at the end of the day, insurance is gonna be different for everybody it all depends on YOUR current situtation
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Tom
Member
Registered: 3rd Apr 02
Location: Wirral, Merseyside
User status: Offline
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quote:
Originally posted by el gordo
I covered this previously i think.
Diamond are a notoriously shoddy company for their practices...
on the 10-month accellerator program, they will not provide you with proof of NCD at all, and are not required to do so as that applies only to a 12 month policy. That means to benefit from the NCD you just built with them, you have to stick with them and sign up for a 12 month policy in order for them to issue you with 2yrs NCD a year later.
Funnily enough, they tend to introduce quite a hike on this 2nd years premium!
As for if you have a complaint, they aren't governed by the GISC as they refuse to sign up whilever it's not law to do so. This leaves you with one arm behind your back if you have to fight them, effectively, with your only external port of call being the Insurance Ombudsman Service who will only intervene when you've had every other possibility of private contact exhausted (at which point you've usually given up!).
shall I tell you a way to guarantee how to beat your renewal premium?
Barclaycard insurance. You don't need to be a customer, and they guarantee to beat your renewal (not your best quote tho!). Their "premium package" is good for the breakdown as well.
Last but not least, when your renewals come up go to http://www.confused.com - they search a dozen or more major firms on your behalf and as long as the data provided was accurate, thats the price you'll get. At the moment AXA are providing ridiculously cheap quotes, and for the male drivers, stick yer mum on and get about 15% off! (even if she'll never drive it!).
Yeah ish but it's not the insurance ombudsman service anymore it's the FSA (financial services authority) that regulates all insurance companies, and the Financial ombudsman service would be the way to get something done and you do not have to wait until 'you've had every other possibility of private contact exhausted' there is now an 8 week 'consultation typeperiod' if you're not happy once this time is over the FSA will intervine and they hold some weight so they usually get the 'win'
Can u tell i work for an insurance company
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el gordo
Member
Registered: 21st Dec 03
User status: Offline
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aye, same here 
I should have made it clear the IOS are an independent intermediary for disputes.
as you say, the FSA are the final clobber who set and enforce regs, but having said that, the IOS's decisions must be abided by...
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mav
Member
Registered: 19th Jun 01
Location: Scotland
User status: Offline
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quote:
Originally posted by Kerry
quote:
Originally posted by mav
think mods will be a nono with girl only cheap coverlike that..Imo.
have u seen her car??????????????????????????????????????????
yeah I have and wasn't thinking.............. DOH....... 
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