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NCB Questions, Classic policy

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  • 09-09-2015 8:22pm
    #1
    mik_da_man
    Hosted Moderators Posts: 9,929 ✭✭✭


    Basically I have 6 years ncb on my 97 pugeuot 106 and due to its age the insurance cost has jumped by 65%
    I've been doing a lot of shopping around and am not getting a lot better quotes.

    I did find a company that will insure it as a classic for a decent price, but as it's a classic policy they dont need my ncb, and I won't earn any with them.

    So my question is how long is the ncb I have valid for and will having the car on a classic policy have any bearing on it.

    Main reason that I'm wondering is that I may be changing the car in the future and would like to keep my ncb.


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    #2
    savagethegoat
    Closed Accounts Posts: 2,297 ✭✭✭savagethegoat


    2 years


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    #3
    unkel
    Registered Users Posts: 64,900 ✭✭✭✭unkel


    Have you got a full NCB in your own name on your main car too? In that case if in future you want to sell your classic car (Peugeot 106) and buy another second car (non-classic), you're likely to get a deal from the insurer of your main car (duplicate / split the NCB or something like that). Ask them about it now?

    savagethegoat is right though, if you have no insurance in your own name for 2 years, the NCB is gone.


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    #4
    mik_da_man
    Hosted Moderators Posts: 9,929 ✭✭✭mik_da_man


    Yeah I have two ncb's at the moment.
    Tbh, I found it difficult to get it mirrored in the first place so would like to hang on to it if I could.

    If it's valid for 2 years then that's ok.

    I wonder how would it work if I still had the 106 on classic insurance and used the ncb on a 3rd car...

    And does the fact that I will not have a break in insurance matter, I'll have it on one car, just not using the second ncb.


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    #5
    mik_da_man
    Hosted Moderators Posts: 9,929 ✭✭✭mik_da_man


    Went ahead and insured it as a classic with Autoline in NI.

    340 fully comp through Allianz, pretty happy with that.

    Can just keep the ncb safe in case I require it in the next while I guess.


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    #6
    Barr
    Registered Users Posts: 6,992 ✭✭✭Barr


    mik_da_man wrote: »
    Went ahead and insured it as a classic with Autoline in NI.

    340 fully comp through Allianz, pretty happy with that.

    Can just keep the ncb safe in case I require it in the next while I guess.


    I thought they just cover cars in Northern Ireland ?


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    #7
    To Elland Back
    Closed Accounts Posts: 1,923 ✭✭✭To Elland Back


    Barr wrote: »
    I thought they just cover cars in Northern Ireland ?

    It is in their assumptions that you are a UK resident


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    #8
    mik_da_man
    Hosted Moderators Posts: 9,929 ✭✭✭mik_da_man


    To Elland Back wrote: »
    It is in their assumptions that you are a UK resident

    Must read over them but I made it clear I was a ROI resident. They only insure classics for the Republic.


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    #9
    unfit2006
    Registered Users Posts: 541 ✭✭✭unfit2006


    I have insured my classics with Autoline for quite a few years now. Great company to deal with and very keenly priced policies.


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    #10
    mik_da_man
    Hosted Moderators Posts: 9,929 ✭✭✭mik_da_man


    Yeah double checked my policy and they have no mention of being UK resident so I'm OK :)


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