To declare or not

[Frank O' Phile]

I'm sorry, but this is just incorrect.

NCD is earned in separate "lots". If you have an "at-fault" ie unrecoverable costs incident on vehicle 1, you may well be loaded on the premium for it on vehicle 2, but the NCD earned on vehicle 2 remains the same. Of course, if you use a "call-centre" type insurer who use staff with little knowledge reading from a computer-generated script, they wouldn't know this.......

I'm sorry but my OP is correct, mind you in happened in the day before call centres, and on line quotes. About '92 I think, which means I've had a long time to dislike insurance companies.

When applying for car insurance at that time,
'have you made any claims recently?',
'Yes but that was for a motorbike',
'Makes no diference it is a claim.'

 

[jonnyboy]

I'm sorry but my OP is correct, mind you in happened in the day before call centres, and on line quotes. About '92 I think, which means I've had a long time to dislike insurance companies.

When applying for car insurance at that time,
'have you made any claims recently?',
'Yes but that was for a motorbike',
'Makes no diference it is a claim.'

If you read my post I am agreeing that a claim is a claim and is therefore declarable, but the "lots" of NCD earned over multiple vehicles are not all affected in a scattergun appproach.

Way back in '92, eh? Well, what would I know? I was only a training manager for the largest high street brokerage in the country.......