Post by BrritSki
We have just had a quote from Saga for insuring our car in the waife's
name rather than mine which is only £70 cheaper which seems a bit odd
considering that she has 6 years NCD and I have 0 !
I'm afraid we have to ask: do you have 0 because you have only recently
started driving, or have you had a major prang in the last year (and
didn't have a protected NCB)?
If it's just that you've only recently started driving, it could be that
you're nevertheless considered fairly low risk anyway. I don't know how
old you are, but I don't think you're a boy racer.
(I hate to think what it would have cost me to get insurance for my
first car now - it was a 3.3 litre! [Not something flash - I only paid
99 for it; it was a Vauxhall Ventora that had seen better days.] But
even _getting_ insurance for that, for a twentysomething beginner, these
days would probably be difficult.)
Post by BrritSki
Of course when I renew my insurance in 5 months, all being well, I will
then have 1 year NCD. Any suggestions as to how much that will actually
be in percentage terms ? I was thinking it would be 10% pa up to a
max. of 50%, but maybe that's unrealistic...
Sorry, no, but if you look at your existing insurance documents, they
usually give some indication of what NCD percentages are. They're a bit
of a con anyway: if you have a prang, your basic premium goes up, so the
NCD - even if protected - is a percentage of a higher premium.
J. P. Gilliver. UMRA: 1960/<1985 MB++G()AL-IS-Ch++(p)***@T+H+Sh0!:`)DNAf
Astaire was, of course, peerless, but it's worth remembering that Rogers does
everything he does, only backwards and in high heels. - Barry Norman in Radio
Times 5-11 January 2013