Chris NottAH Fabrications
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  1. #1
    rickparmar's Avatar
    va va voom

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    Insurance question

    insurance time again.

    i now have 5 years no claims

    Q1 - is it better to pay the extra to protect them ? (Ł70 in my case) and if i didnt protect them and something happened would i lose them all ?

    Q2 - legal protection, is that worth the Ł20 extra ?
    ~ ~ ~2003 Audi S3 BAM ~ Ming Blue ~ 18" BBS Alloys ~ Heated Black Leather ~ Forge DV ~ RNS-E ~ denison ipod link~ parrot mk6100 bluetooth ~ ~ ~

    Still need Remap

    2007 Audi S3 8L
    2005 Audi A3 1.6 sport grey with climate control
    2003 Audi A3 1.6 sport black without climate contol

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  3. #2
    fingermouse's Avatar
    thats me

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    legal is worth every penny, Protection imo is not as I dont think you lose the lot anyhow.
    red to red black to black blue to bits

  4. #3
    evilbow's Avatar
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    [quote=rickparmar;744499]insurance time again.

    i now have 5 years no claims

    Q1 - is it better to pay the extra to protect them ? quote]


    i have full no claims, my saab turbo had an attempted theft, when they couldnt the slashed the leather seats broke anything and everything inside it and poured paint all over outside of it insurance paid out in full and i still have full no claims which i transfered to my audi so IMO yes it is worth the little extra, because you just never know one morning you wake up and some C**T has thought i'll have this audi for a joyride! you may be good driver but you can never know what other drivers could do

  5. #4
    S3Steve's Avatar
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    Defo worth it in both cases imo. How many years ncb you loose varies depending on claim type and cost.
    2007 A3 TDI 170 S Line
    Sold - 2002 S3

  6. #5
    mac1403's Avatar
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    Personal preference, but from my own experience NCD protection isn't worth it. To start with you will not loose all your NCD in the event of an accident. Also the NCD is only applicable to the insurer you are using at present. If for some reason you have an accident and change insurers the new insurers will ask if you have had any accidents. Just because you have protected NCD you will still have to inform them and they will only offer a %, not your 5 years. I had this happen to me and although my discount was protected they still put the insurance up significantly saying all insurance has increased.
    Facelift S3, Sprint Blue, Bucket seats, Sunroof, Sat Nav, Bose, Elect Mirrors, Light and Rain, Interior Light pack, Flat Tyre Warning, GSM Phone Prep, Led upgrade, Illuminated speaker grills.

  7. #6
    spiker's Avatar
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    Mac

    Every insurer I have used is happy to carry across the NCB with proof from the previous insurer

    Legal protection well worth it

    Protecting your NCB well worth it

    IMHO

    ( and I am on 13 years NCB - although I dont think I actually benefit once I am above 5 years)
    If you aint first you're last

  8. #7
    rickparmar's Avatar
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    Thanks guys

    i think it make sense to pay extra and cover the ncb and pay extra for legal cover.

    now i have to start getting insurance quotes
    ~ ~ ~2003 Audi S3 BAM ~ Ming Blue ~ 18" BBS Alloys ~ Heated Black Leather ~ Forge DV ~ RNS-E ~ denison ipod link~ parrot mk6100 bluetooth ~ ~ ~

    Still need Remap

    2007 Audi S3 8L
    2005 Audi A3 1.6 sport grey with climate control
    2003 Audi A3 1.6 sport black without climate contol

  9. #8
    Essflee's Avatar
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    I always protect my ncd and legal protection is a definate...
    revo'd

  10. #9
    Kingston's Avatar
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    I used privilege cost Ł501 for year ncp fully comp. Was well impressed as i was 26 when took policy out,

  11. #10
    sweeney23's Avatar
    s23 swe

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    im with admiral and im only 21 with 1 years no claims and im abour 1400 fro the year which im happy with
    bose upgraded speaker ,full leather ,6 disk changer bose head unit , forge fmic ,revo map

  12. #11
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    Quote Originally Posted by sweeney23 View Post
    im with admiral and im only 21 with 1 years no claims and im abour 1400 fro the year which im happy with
    i'm same as you, going to be getting an S3 in the next month or so, direct line have quoted me 950

  13. #12
    sweeney23's Avatar
    s23 swe

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    was with direct line but moved for didnt think they would insure me since need to be 25 for a car like that
    bose upgraded speaker ,full leather ,6 disk changer bose head unit , forge fmic ,revo map

  14. #13
    rickparmar's Avatar
    va va voom

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    privilege works out to be the cheapest
    ~ ~ ~2003 Audi S3 BAM ~ Ming Blue ~ 18" BBS Alloys ~ Heated Black Leather ~ Forge DV ~ RNS-E ~ denison ipod link~ parrot mk6100 bluetooth ~ ~ ~

    Still need Remap

    2007 Audi S3 8L
    2005 Audi A3 1.6 sport grey with climate control
    2003 Audi A3 1.6 sport black without climate contol

  15. #14
    Shy19s's Avatar
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    i think most companies give you 3 strikes before you loose your protected no claims bonus, friend of mine has about 6-7 years protected.. car had been trashed over night, insurance sorted it all out, only lost one strike, NCB not affected.
    Totally addicted to boost.

  16. #15
    jojo's Avatar
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    I always thought you lose 2 years no claims when you do make a claim. Not matter how many years NCB you have, the max is five, so if you have 30 years NCB and you have a bump, apart from being an OAP, you will only have 3 years NCB for your insurance the following year if it's not protected.


    99' Audi S3(APY) - Brilliant Black Click>>>Going Sideways vid!
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  17. #16
    Kingston's Avatar
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    For every claim you make when ncp you loose a percentage of your no claims. Google it i've seen a few stats.
    Nogaro Blue 2001 S3 Quattro, Cream leather interior. Miltek Cat back, Induction kit, KO4 Hybrid Turbo, Chipped Remap, Power Boost Valve, Forge RC DV, Compbrake Racing 4 Pot Calipers with 2piece 350x32mm Conversion Front, 2 piece 330x20mm Compbrake Conversion on Back, Discs are Powervane Racing Rotors Gas slotted and internally veined. Hawk Hps Pads, Goodridge Braided lines to Calipers. Bose Symphony sound system. Compbrake Quickshift and side shift. Big thanks to www.Vagperformance.co.uk

 

 

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