8 minutes ago, StephenFord said:

Odd that it's a 'loyalty' discount that can be freely transferred to all insurers LOL Still, I totally agree the whole industry is riddled with anomalies with the sheer aim of scr*wing us out of more money...

From what I've read in the local press of the recent court reports, it seems that having no insurance only merits a lesser fee than insurance itself. Not that I'm condoning it at all but wheres the deterrent in 6pts and £180 fine. Half of em dont even have a licence.

One thing it does show insurers is that you’ve probably been driving. You could have passed your test 20 years ago and then never driven again. Someone with 15 years NCB shows they’ve been driving in that time compared to someone who has nothing. Especially as you can protect your NCB now. 
 

But obviously they’re not going to give you that discount twice if they don’t have to so it’s per policy. 
 

I think that’s why some insurers will give you a portion of your NCB for a second policy. Having NCB on one policy should mean you are lower risk for a the second policy. But they don’t all do that. 
 

I know Privilege used to. But again it’s always going to be something you can’t do online. 

1 hour ago, StephenFord said:

Bugger, just did an online quote with Adrian Flux, and on the end of the usual million questions, hit the 'get quote' button. Then came the screen that, 'thank you, we will call you shortly'!! Aarrrggghhhh... I don't want a friggin' call! Why can't they be upfront and honest and say we do not do online quotes...

Just an update on Adrian Flux, just got an email through with a quote, and I must confess it is very competitive! I'll be calling them next week to follow up and see if following advice here, they can 'mirror' a NCB on my mums old car so effectively I can have a 2 x car policy...

2 hours ago, StephenFord said:

just did an online quote with Adrian Flux,

Dan's sure to pop up with some helpful advice !

Do they even cover NI ?

10 hours ago, unofix said:

Dan's sure to pop up with some helpful advice !

Do they even cover NI ?

I think, 'Dan' is actually a Bot! LOL He always appears to introduce his company, but in all my years here, I've never seen him follow up a question! Yes, apparently they do cover NI.

13 hours ago, StephenFord said:

Bugger, just did an online quote with Adrian Flux, and on the end of the usual million questions, hit the 'get quote' button. Then came the screen that, 'thank you, we will call you shortly'!! Aarrrggghhhh... I don't want a friggin' call! Why can't they be upfront and honest and say we do not do online quotes...

This is why I always put in my details correctly (including email address) but always ALWAYS provide a dud phone number - normally 01234 567890. If I wanted to speak to people I wouldn't be hiding in the relative safety of the internet!

My socially awkward self always answers the phone like a Chinaman if I don't recognise the number, and the caller often gets large amounts of their time wasted before learning some new and interesting swear words.

(99.9% of the time this amounts to Asian scammers pretending they work for BT or O2 etc)

1 hour ago, StephenFord said:

I think, 'Dan' is actually a Bot! LOL He always appears to introduce his company, but in all my years here, I've never seen him follow up a question! Yes, apparently they do cover NI.

Poor guy has been posting the same stuff on many forums for the last decade.  That must be more soul destroying than getting quotes!  

52 minutes ago, Darkman said:

This is why I always put in my details correctly (including email address) but always ALWAYS provide a dud phone number - normally 01234 567890. 

Someone in Bedford REALLY loves you, getting all your callbacks! 😀

4 hours ago, Darkman said:

This is why I always put in my details correctly (including email address) but always ALWAYS provide a dud phone number - normally 01234 567890. If I wanted to speak to people I wouldn't be hiding in the relative safety of the internet!

 

I usually put, 077 1234 5678 - wonder who gets that callback?? LOL 😄

1 minute ago, StephenFord said:

I usually put, 077 1234 5678 - wonder who gets that callback??

Ah!!!

So you're the guy who keeps giving my mobile out !

BTW you've missed a few calls from Ann Summers 🤣

 

7 minutes ago, unofix said:

BTW you've missed a few calls from Ann Summers 🤣

Not sure I did, that package arrived safely yesterday, now, where did I put those batteries?? 😄

15 minutes ago, StephenFord said:

Not sure I did, that package arrived safely yesterday, now, where did I put those batteries?? 😄

Batteries!?  Thought you'd have a petrol powered one...  

19 minutes ago, TomsFocus said:

Batteries!?  Thought you'd have a petrol powered one...  

The government banned the petrol ones, just battery now, but they rarely maintain the stamina LOL

2 minutes ago, StephenFord said:

The government banned the petrol ones, just battery now, but they rarely maintain the stamina LOL

I knew there was more to this Maypole malarkey than you was letting on Stephen 😄

6 hours ago, StephenFord said:

I think, 'Dan' is actually a Bot! LOL 

I find it funny (or infuriating, depending on mood) that many websites require you to go through that "Captcha" thing to prove you're not a bot, then when you get on there you find you are having a "chat" with one of their bots!😀

Just now, Eric Bloodaxe said:

I find it funny (or infuriating, depending on mood) that many websites require you to go through that "Captcha" thing to prove you're not a bot, then when you get on there you find you are having a "chat" with one of their bots!😀

I'm sorry I didn't understand the question

On 10/4/2022 at 10:17 PM, unofix said:

Dan's sure to pop up with some helpful advice !

Do they even cover NI ?

Hi.

Yes we do cover Northern Ireland.

Regards,

Dan.

On 10/5/2022 at 8:38 AM, StephenFord said:

I think, 'Dan' is actually a Bot! LOL He always appears to introduce his company, but in all my years here, I've never seen him follow up a question! Yes, apparently they do cover NI.

Hi.

I'm certainly not a BOT I can assure you.

Regards,

Dan.

On 10/5/2022 at 8:38 AM, StephenFord said:

I think, 'Dan' is actually a Bot! LOL He always appears to introduce his company, but in all my years here, I've never seen him follow up a question! Yes, apparently they do cover NI.

Mr. Dan Bot has just answered the question !!! 😀

You are correct they do cover NI. 👍

4 minutes ago, DAN@ADRIAN FLUX said:

Hi.

I'm certainly not a BOT I can assure you.

Regards,

Dan.

I'm giving your company a follow up call on Monday - fingers crossed!

A lot of insurance stuff doesn’t make sense. I was just renewing my home insurance on line. I noticed that it said 4 occupants, as my kids left home in 2020 I thought I had better alter it to 2 occupants . Premium reduced by 5%.  But if only 2 people live here I thought maybe you could assume that it’s more likely to have no one at home more often and hence higher burglary risk

10 hours ago, isetta said:

A lot of insurance stuff doesn’t make sense. I was just renewing my home insurance on line. I noticed that it said 4 occupants, as my kids left home in 2020 I thought I had better alter it to 2 occupants . Premium reduced by 5%.  But if only 2 people live here I thought maybe you could assume that it’s more likely to have no one at home more often and hence higher burglary risk

Yes, but with 4 people, 100% greater risk of 'accidental damage' on contents LOL (It's insurance, of course it doesn't make any sense)

My policy does not include accidental damage. I only have basis cover, defined perils, like fire explosion storm flood burst pipes theft etc. I have worked for many insurance companies and a lot of it defies logic