I have had classic insurance in the past which does not attract NCB because it's so cheap to start with. I don't know if this applies in your case though.
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\"Nothing less than 8 cylinders will do\"
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There are two important factors:
1) - The quality of the cover.
2) - The price.
If you are happy with 1) and 2) is competitive, then in my view, it doesn't matter how it was arrived at.
Chris M
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I looked at my Certificate of Insurance for 2005 / 2006 and it reads, ?33 Net Premium Policy. Section 9; A no claims discount does not apply to this type of insurance policy,
This is Para 3 of your post. This seems to me to say that you do not have a no-claims discount at all. Have you failed to put in the word "Protected" or am I being my usual very dim self?
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This is exactly what it says :
?33 Net Premium Policy. Section 9; A no claims discount does not apply to this type of insurance policy, however your entitlement to maximum discount in the future will not be affected (subject to no more than 2 fault claims occurring in 5 consecutive years.?
Either I have a discount or I don't.
Telephoning gets you very little. Every document I have received has had some kind of error on it. The 'Advisors' seem to have the tick box mentality, and sometimes tick the wrong box. The last letter I received says that the car is no longer automatic transmission, and the 'advisor' said that I had modified it. Oviously a tick in the wrong place because that aspect has never been discussed in any of our 'chats'. The 'advisor' said, "Just ignore that, it's a mistake". But I can't ignore it. If they can't get the facts now how will it be if I come to make a claim ?
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Hillman, no suggestion of incompetence intended - I thought you might be as bad on a keyboard as I am! I think the time has come for you to ask the monkeys to put you thru to the organgrinder, to use an old phrase. I agree it is far from clear, and verbal assertions that everything will be alright on the day are not likely to come thru the test of a claim. As Sam Goldwyn once said, allegedly " A verbal contract isn't worth the paper it is wrtitten on" and what you have got in writing/print seems far from clear or satisfactory.
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A S, we are in agreement ! Anything which is written from a business to a customer, and we are customers not pests, should be clear enough to be understood and form part of a contract between the two parties.
The first thing on ringing is the requirement to listen for minutes to a recorded message, then when you have reached the appropriate "Please press key 2", you are put in a 'Priority' queue for minutes on end.
I don't have much hope of getting to anybody high enough to make a difference to how the business operates. The management are generally smart enough to avoid that kind of situation. It will be like Franz Kafka's description of trying to speak to the Emperor of China.
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I received the up-dated Certificate of Insurance in the mail this morning and, surprise, surprise, it had a mistake on it. My son says that I am getting paranoid. Perhaps I am, but surely after so many phone calls and letters they could have got it right by now.
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IMHO you are reaching the point that you can bill them for your time and money in trying to get them to sort this out. There is a legal precedent for this; a chap in your position billed a firm at his hourly rate of pay for the time he had spent chasing them to do their job correctly. PS was the mistake a new one or a reptition of the no-claims problem/aspect?
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Sounds like it's time to change insurance company.....
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