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Fallout · 29-08-12, 07:28 PM

Have you actually got 7 years no claims bonus? NCB is per vehicle, not for the driver (which is ridiculous I know). So if you have 7 years NCB on your Arosa, you cannot use that on another car. You have to start from scratch with 0 NCB, or split a proportion of the NCB from your Arosa with the Pug.

I ran a modded Skyline GTR and a Corsa at the same time. Skyline was £500 and Corsa was £350. The reason my Skyline was comparitively cheap was because I was with a Jap import specialist. They insure enthusiasts cars, who have a much lower chance of accidents because they care about their cars. Perhaps yours is with a similar insurer, and that explains why it's cheap.

On the flip side, Pugs will be crashed all day by new boyracers and probably stolen a lot, and also used in crash frauds, injury claims etc etc. So basically it's the wrong car to insure cheaply. When it goes off to the broker calculation system (most companies use the same algorithm system) it triggers all the high risk alarms and comes back with a high premium.

29-08-12, 07:28 PM	#6
Fallout Member Mega Poster Join Date: Jan 2012 Location: Basingstoke Posts: 2,983	Re: car insurance, what a nightmare! Have you actually got 7 years no claims bonus? NCB is per vehicle, not for the driver (which is ridiculous I know). So if you have 7 years NCB on your Arosa, you cannot use that on another car. You have to start from scratch with 0 NCB, or split a proportion of the NCB from your Arosa with the Pug. I ran a modded Skyline GTR and a Corsa at the same time. Skyline was £500 and Corsa was £350. The reason my Skyline was comparitively cheap was because I was with a Jap import specialist. They insure enthusiasts cars, who have a much lower chance of accidents because they care about their cars. Perhaps yours is with a similar insurer, and that explains why it's cheap. On the flip side, Pugs will be crashed all day by new boyracers and probably stolen a lot, and also used in crash frauds, injury claims etc etc. So basically it's the wrong car to insure cheaply. When it goes off to the broker calculation system (most companies use the same algorithm system) it triggers all the high risk alarms and comes back with a high premium. __________________ MotoGoLoco - You knows it The Shed - Suzuki GSX-R 750 K1 \| Triumph Tiger 1050 K6 Fallout Bikes (VLogs, Tutorials, Bike Vids) Fallout Breakbeat (My Music)