What Insurance Companies prefered??

[jann]

I wish you luck with that bunch of incompetents. But I am confident that you could get the same cover cheaper elsewhere..

Never had problems

 

[sparrks]

Some motorhome insurance companies/brokers do not use the NCB system.
I believe it is due to low mileage & the vehicle often being an occasional use vehicle; like classic cars etc. You are therefore able to use your NCB on your main vehicle & not be stung with extra high start premiums when you begin insuring a secondary (not second) vehicle. As far as I know a person can only have one NCB.
That is the upside.

The downside is that if you don't actually have a primary vehicle which you are continuing to use your NCB on then your NCB will lapse if not used continuously (barring a varying short period).
If you are not using your NCB year by year then you need to keep a good record of it so when you need to use it again you can prove the amount you have accumulated yourself.
You are still then at the mercy of your new insurance company accepting your proven NCB combined with a letter (usually provided) from your previous insurer stating you had made no claims.

I am no expert in this; it is just my recent experience. Which briefly is:
AIB insured me for the previous two years.
I offered my NCB of umpteen years when joining but they didn't require it.
I left AIB this year.
The new insurance company asked for proof of my umpteen years NCB.
I provided that plus a letter from AIB stating I had 2 years with them without a claim but they would not reference my previous NCB amount.
The new insurance company stated they would give me three years NCB as a new customer without any recent claims. That still leaves me umpteen years short (it's in the region of 21 years).
This year it was not a problem as the quote I received had to be £25 lower than my renewal (due to their promotional offer).
Next year I will have a fight on my hands to get my full NCB recognised; it may not be possible.

My van is on a 'modified' commercial van insurance as I use it for work the NCB is totally separate from my car insurance/

 

[Private]

Only one person

My van is on a 'modified' commercial van insurance as I use it for work the NCB is totally separate from my car insurance/

Not sure how that works, but pleased it is.
I am assuming one policy is under the business name and one policy under your name.
When they ask if you've had any accidents, convictions etc. in the last 5 years they do not specify on a particular policy.
If you had an accident on your work policy would you inform your personal insurance company?
I was always curious about this when driving LGV's: would I have to inform my car insurance company if I had an accident in a truck on the work policy?

 

[wildebus]

Not sure how that works, but pleased it is.
I am assuming one policy is under the business name and one policy under your name.
When they ask if you've had any accidents, convictions etc. in the last 5 years they do not specify on a particular policy.
If you had an accident on your work policy would you inform your personal insurance company?
I was always curious about this when driving LGV's: would I have to inform my car insurance company if I had an accident in a truck on the work policy?

Isn't the wording they use typically "... have YOU had any accidents or claims in the last xx years"? So saying no if you have could lead you open to problems down the line.

Having said that, I had a motor trade policy a few years ago and as a new business, had no NCB. Had my vehicle stolen and claimed under that policy, but it didn't affect getting a years NCB the next year as apparently that claim didn't count as a motor claim because, I think, the vehicle was stolen from my workshop premises(?). Don't know, but wasn't going to argue the point obviously, but .... I made sure they knew I had a claim. Full Disclosure!

 

[Private]

I agree

Isn't the wording they use typically "... have YOU had any accidents or claims in the last xx years"? So saying no if you have could lead you open to problems down the line.

Having said that, I had a motor trade policy a few years ago and as a new business, had no NCB. Had my vehicle stolen and claimed under that policy, but it didn't affect getting a years NCB the next year as apparently that claim didn't count as a motor claim because, I think, the vehicle was stolen from my workshop premises(?). Don't know, but wasn't going to argue the point obviously, but .... I made sure they knew I had a claim. Full Disclosure!

Yes, I agree.
I didn't word it too well but I meant that as they don't specify that they are asking about you in realation to a particular policy then they are asking about you on all policies. An accident on one policy has to be disclosed on the other.