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Jan 14th, 2020
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Can you build up a NCB on third party only cover?
#88128
05/04/2006 03:06
05/04/2006 03:06
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Anonymous
Unregistered
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Anonymous
Unregistered
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I'm getting a second car and want to build up some no claims (my Coupe is on a professional driver policy and as such I can't build up any no claims nor can I ask for consideration from insurers for NCB on a company policy because of the type of policy)
The car I am getting is only worth a few hundred quid so I'm not really fussed for getting anything more than Third Party Only cover
But I want to know whether I can build up a no claims bonus on that type of cover
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Re: Can you build up a NCB on third party only cover?
#88130
05/04/2006 03:14
05/04/2006 03:14
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Anonymous
Unregistered
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Anonymous
Unregistered
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Yes you can, I had a conversation with Elephant about this same subject today, give them a call
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Re: Can you build up a NCB on third party only cover?
#88131
05/04/2006 03:21
05/04/2006 03:21
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Anonymous
Unregistered
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Anonymous
Unregistered
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I just typed my details into confused and got a quote of £196 for third party fire and theft. Changed it to third party only and reduced the anual mileage and it went up to £206 (with the same insurer)
Pure madness!
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Re: Can you build up a NCB on third party only cover?
#88133
05/04/2006 03:28
05/04/2006 03:28
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Anonymous
Unregistered
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Anonymous
Unregistered
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They are high for a 1994, 900cc Cincequento!
I have had my driving license for 8 years and never had a claim or accident. I was hoping I'd only pay £100 a year or something
I think I'll just put the car in my dad's name and save the £200 a year.
When it comes to the time where I can no longer insure my cars this way, hopfully I'll have saved enough money not insuring my own cars that I can afford to insure a high powered car with 0 NCB regardless
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Re: Can you build up a NCB on third party only cover?
#88134
05/04/2006 03:48
05/04/2006 03:48
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Anonymous
Unregistered
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Anonymous
Unregistered
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When cunfused came back with the quote who was the cheapest? Try going to their site and trying again, also choosing a limited milage policy or a 10 month bonus scheme will lower the price and give you your no claims faster respectivly.
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Re: Can you build up a NCB on third party only cover?
#88135
05/04/2006 04:05
05/04/2006 04:05
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Anonymous
Unregistered
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Anonymous
Unregistered
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Quote:
When cunfused came back with the quote who was the cheapest? Try going to their site and trying again, also choosing a limited milage policy or a 10 month bonus scheme will lower the price and give you your no claims faster respectivly.
Direct Choice. I get the same quote if I go direct (I presume confused gets a cut if I go through them rather than making it's money by adding money on top of the quote and taking that as their commision)
If I put 2000 annual mileage and third party only I get a quote of £206.18. If I put 5000 miles and third party fire and theft I get a quote of £192.93! Mad
Does your occupation make any difference to an insurance quote? technically I am a company director but what I actually do could fall into a number of categories
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Re: Can you build up a NCB on third party only cover?
#88136
05/04/2006 04:28
05/04/2006 04:28
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Anonymous
Unregistered
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Anonymous
Unregistered
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£186.84 if I do less than 1000 miles.
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Re: Can you build up a NCB on third party only cover?
#88137
05/04/2006 04:31
05/04/2006 04:31
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Anonymous
Unregistered
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Anonymous
Unregistered
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Try screentrade and people's choice, cheaper than confused.com IME 
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Re: Can you build up a NCB on third party only cover?
#88138
05/04/2006 04:37
05/04/2006 04:37
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Anonymous
Unregistered
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Anonymous
Unregistered
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These days fully comp can actually be cheaper than 3rd party!
Insurers believe if you pay more for your insurance, you will take more care.
Tends to be young neds with old bangers that take out 3rd party cover then hit expensive cars etc etc...
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Re: Can you build up a NCB on third party only cover?
#88139
05/04/2006 04:38
05/04/2006 04:38
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Anonymous
Unregistered
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Anonymous
Unregistered
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Meant to add that rally drivers can actually get pretty cheap insurance coz they never actually bother claiming 
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Re: Can you build up a NCB on third party only cover?
#88140
05/04/2006 04:57
05/04/2006 04:57
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Anonymous
Unregistered
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Anonymous
Unregistered
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Quote:
Try screentrade and people's choice, cheaper than confused.com IME
Tried Screentrade. Got a quote of £270.90 third party fire and theft with £0 voluntary excess and £808.35 with £300 voluntary excess! Mental!
People's choice best quote was £357.82
Edited to say: I'm open to other suggestions on insurance. I only used confused because it quotes a lot of insurers and it's relatively quick
Last edited by robii; 05/04/2006 05:01.
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Re: Can you build up a NCB on third party only cover?
#88141
05/04/2006 04:59
05/04/2006 04:59
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Anonymous
Unregistered
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Anonymous
Unregistered
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Re: Can you build up a NCB on third party only cover?
#88142
05/04/2006 05:08
05/04/2006 05:08
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Anonymous
Unregistered
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Anonymous
Unregistered
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Elephant comes up with £213.22 (10 month bonus accelerator, third party fire and theft...£1 cheaper for third party only!)
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how ever will you afford that 
