Am I doing wrong by not declaring NCB?

[tigersaw]

I'm getting quotes for my (not yet purchased) van.
Quotes with 0 NCD are reasonable.
If I try 1 year NCD it almost doubles!
So... if I buy, after the first year when I go to re-insure, am I obliged to use the 1 year NCD or just forget about it?

Eh ?

That can't be right mate, you're looking at the wrong sites I think, try calling the same companies, something's a miss there.

[tigersaw]

I've tried it time and again, using gocompare, confused, and insurance4vans. It always happens. Even if I try 5 years NCD its more than none.

I don't think you're "obliged" to declare it. But it definitely shouldn't cost you money. I agree with specialone, Ignore the comparison sites and speak to a few companies on the phone.

[tigersaw]

Just had a fiddle - with 2 years its still a lot more, it takes 9 years to get better than none at all

And I say again, get off the comparison sites and phone Bike Team or Carol Nash or somebody sensible.

[widepants]

mmmmm...maybe thats because they are giving you an incentive to go with them

[tigersaw]

Originally Posted by DJFridge

And I say again, get off the comparison sites and phone Bike Team or Carol Nash or somebody sensible.

its a nissan van.

just tried moneysupermarket.com

no NCD £385
1 year NCD £614

And thats best quotes - all the companies go up like that. its wierd.

Originally Posted by tigersaw

its a nissan van.

just tried moneysupermarket.com

no NCD £385
1 year NCD £614

And thats best quotes - all the companies go up like that. its wierd.

Ooops, can't read. Didn't spot the vaniness of it. I would still go for phoning the companies direct though.

[widepants]

Originally Posted by widepants

mmmmm...maybe thats because they are giving you an incentive to go with them

AND....... hoping that next year you will simply go with the flow and stay with them