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fbd commercial insurance

  • 10-09-2017 8:33am
    #1
    anthony500_1
    Registered Users, Registered Users 2 Posts: 511 ✭✭✭


    Hi so I called into fbd to get a commercial quote for jeep used for farming. Also have farm insurance with them.

    They said there commercial policy is not based on a no claims discount, rather a flat commercial rate. (Even though they wanted to know how many years my ncd was at present)


    So basically if I was to have a crash, I would not loose my no claims discount as basically I won't have one with the policy, and in theory my cost of insurance won't go up the following year if I had a crash.

    On the other hand after 5 years with no claims if I was to leave them I wouldn't get a no claims certificate stating 5 years no claim bonus for being a safe driver as its not part of the commercial policy.

    They offer a written "word" basically saying you didn't have a crash for x amount of years.

    So my question is, Is this a way of fbd "trapping" you into staying with them as you won't have a ncd to pass onto another insurance company in years to come......

    I'm a bit wary of it, so any one in the know might be able to give a clear answer.

    Thanks in advance


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