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Author Is protected no claims worth it?
VegasPhil
Premium Member

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Registered: 16th Jan 05
Location: Fareham, Hants Drives: Octavia VRS
User status: Offline
25th Jun 16 at 18:00   View Garage View User's Profile U2U Member Reply With Quote
I've never considered it before, but I have 5 years NCB and clicked on the box to see what the difference is - Best part of £50 quid for the year...

Insurance is more expensive than I expected too

Do people take this option or leave it out?

Corsa 2.0 16v Vegas - Sold
Nic Barnes
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Registered: 5th Apr 04
Location: nowhere near ginger people
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25th Jun 16 at 18:09   View User's Profile U2U Member Reply With Quote
Cost me £7 more so didn't see the issue. Awaits davey lcatc to tell me I am wrong.
Tiger
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Registered: 12th Jun 01
Location: Leicestershire Drives:Astra VXR
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25th Jun 16 at 19:39   View User's Profile U2U Member Reply With Quote
Yeah it's worth it, just in case.
Generation
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Registered: 7th Jul 09
Location: Essex
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25th Jun 16 at 20:37   View User's Profile U2U Member Reply With Quote
I never bothered as in sure I read loads of reasons it was shit.
Interested now, I think I've got 8/9

[Edited on 25-06-2016 by Generation]
VegasPhil
Premium Member

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Registered: 16th Jan 05
Location: Fareham, Hants Drives: Octavia VRS
User status: Offline
25th Jun 16 at 22:01   View Garage View User's Profile U2U Member Reply With Quote
I didn't take it again


Corsa 2.0 16v Vegas - Sold
3CorsaMeal
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Registered: 11th Apr 02
User status: Offline
25th Jun 16 at 22:06   View User's Profile U2U Member Reply With Quote
I've always paid for it, never used it. Starting to wonder if it's worth it.
Ben G
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Registered: 12th Jan 07
Location: Essex
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26th Jun 16 at 13:37   View User's Profile U2U Member Reply With Quote
Never bothered with it.

If you claim, you lose 2 years of your NCD, not the whole lot. They don't appear to tell you that until you read the small print though, hence why many purchase it.
IvIarkgraham
Premium Member

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Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
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26th Jun 16 at 13:43   View Garage View User's Profile U2U Member Reply With Quote
only lost 1 when i claimed
Corsa_Sport21
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Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
User status: Offline
26th Jun 16 at 13:49   View User's Profile U2U Member Reply With Quote
Took me 3 years to build up to my current 8 years ncd so have started protecting it. Id rather have it and not need it than need it and not have it.
Ben G
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Registered: 12th Jan 07
Location: Essex
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26th Jun 16 at 13:52   View User's Profile U2U Member Reply With Quote
I've found once you're over 25 and have 5+ years no claims, the price doesn't fluctuate that much. We're talking a maximum of £50 over a year, that's just over £4 a month.
Corsa_Sport21
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Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
User status: Offline
26th Jun 16 at 13:58   View User's Profile U2U Member Reply With Quote
Aye its deffo not what it used to be. Back in the day, 25 years old was the quoted benchmark for getting a high performance Subaru or Skyline etc.

Infact i seen 1 of my fb friends say they cant wait till their 25 to get a scooby.
DAN@ADRIAN FLUX
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Registered: 16th Aug 10
Location: Norfolk
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26th Jun 16 at 19:08   View User's Profile U2U Member Reply With Quote
Hi,
Please feel free to give us a try for insurance if you. If you wanted to PM me some contact details I'd be happy to arrange for one of my quotes team to give you a call back.
Regards,
Dan.
Generation
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Registered: 7th Jul 09
Location: Essex
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26th Jun 16 at 19:09   View User's Profile U2U Member Reply With Quote
You know it's the end of the month when Adrian flux log in
Ben G
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Registered: 12th Jan 07
Location: Essex
User status: Offline
26th Jun 16 at 19:11   View User's Profile U2U Member Reply With Quote
''sorry, we can't quote you because you haven't owned the vehicle for 55 years''.
kz
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Registered: 9th Aug 02
Location: Southend, Essex Drives: Mini Cooper S
User status: Offline
26th Jun 16 at 20:59   View User's Profile U2U Member Reply With Quote
Nope, not worth it. I've been driving about 10 years and have never done it at a cost of around what... lets say £50 per year. So £500 all together I've saved. I did have one crash a couple of years ago, and I had to claim, NCB lost. Cost me £35 extra the following year!
VegasPhil
Premium Member

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Registered: 16th Jan 05
Location: Fareham, Hants Drives: Octavia VRS
User status: Offline
26th Jun 16 at 22:40   View Garage View User's Profile U2U Member Reply With Quote
Have sorted it now, cheers lads.

Went with Aviva this year on my VRS - they aren't on the comparison sites and were over £60 cheaper.

Corsa 2.0 16v Vegas - Sold
kz
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Registered: 9th Aug 02
Location: Southend, Essex Drives: Mini Cooper S
User status: Offline
28th Jun 16 at 21:51   View User's Profile U2U Member Reply With Quote
Have you tried Greenflag? I was with Aviva for a few years... were over £100 cheaper than anyone else. But was told to try Greenflag and they were over £200 cheaper than Aviva! Fucking well happy this year (all mods covered for free too)
Steve
Premium Member

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Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
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29th Jun 16 at 07:43   View Garage View User's Profile U2U Member Reply With Quote
quote:
Originally posted by DAN@ADRIAN FLUX
Hi,
Please feel free to give us a try for insurance if you. If you wanted to PM me some contact details I'd be happy to arrange for one of my quotes team to give you a call back.
Regards,
Dan.


fuck off you irritating spam cunts
Ellis
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Registered: 11th Sep 07
Location: Aberdeenshire
User status: Offline
29th Jun 16 at 08:24   View User's Profile U2U Member Reply With Quote
Suddenly, a Dan from Adrian Flux appears, seemingly out of nowhere.
DAN@ADRIAN FLUX
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Registered: 16th Aug 10
Location: Norfolk
User status: Offline
11th Jul 16 at 19:58   View User's Profile U2U Member Reply With Quote
I fully appreciate the fact that I might not be able to log in every day. I'm responsible for over 250 car clubs and forums affiliations so it is a full time job so sometimes it is difficult to get back every day. I try to help members wherever possible whether that be offering quotation services or answering insurance related questions members have.
Also I fully understand that not everyone likes having an insurance representative on board. You can't please everyone.
Regards,
Dan.
Steve
Premium Member

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Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
12th Jul 16 at 07:38   View Garage View User's Profile U2U Member Reply With Quote
Lets be honest, you are only here to sell services from your company, a company that has a pretty questionable reputation on here to boot.

Your help amounts to basically "contact us for a quote"
IvIarkgraham
Premium Member

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Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
User status: Offline
12th Jul 16 at 19:07   View Garage View User's Profile U2U Member Reply With Quote
my last insurance was through flux. nearly got screwed over for having mods
kz
Member
Registered: 9th Aug 02
Location: Southend, Essex Drives: Mini Cooper S
User status: Offline
12th Jul 16 at 20:35   View User's Profile U2U Member Reply With Quote
To be fair I never had a problem with Flux; was with them for years. However, I've since found out that Greenflag blow them out of the water for modified/performance motors.

Edit: Hang on... Greenlight not Greenflag

[Edited on 12-07-2016 by kz]
3CorsaMeal
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Registered: 11th Apr 02
User status: Offline
18th Aug 16 at 09:27   View User's Profile U2U Member Reply With Quote
Just about to renew insurance with my 13yrs NCB and got some paperwork through about Protecting it and basically seems pointless to protect it, i can have an accident or two and it doesn't lose me any NCB.

Also says NCB protection doesn't prevent your premium rising if you have an accident.

So not paying it this year, never crashed anyway so its all really money for nothing.
kz
Member
Registered: 9th Aug 02
Location: Southend, Essex Drives: Mini Cooper S
User status: Offline
23rd Aug 16 at 20:39   View User's Profile U2U Member Reply With Quote
You'll have a crash now.

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