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Is it true?
http://www.taxi-driver.co.uk/phpBB2/viewtopic.php?f=1&t=16709		 Page 1 of 2
Author:  cabby john [ Fri May 06, 2011 1:05 am ]
Post subject:  Is it true?
A question comes up from another taxi driver and he asks me the following. One of his mates is a taxi driver, and he is retiring from the taxi trade and the driver concerned has maximum no claims as a taxi driver!!

He is now going to be a private motorist and is told that his no claims as a taxi driver counts as ZERO and as a member of the public he has to start all over again...............is that correct?
Author:  skippy41 [ Fri May 06, 2011 1:43 am ]
Post subject: 
What a load of bull tell him to shop around and his NCB will follow, he will need proof so get him to get that off his taxi insurers
Author:  bloodnock [ Fri May 06, 2011 7:44 am ]
Post subject: 
I dont think Taxi/PH insurance does transfer, the last time I tried to use the Sizable NCB from a redundant PH vehicle on my own car they Didnt accept it..maybe things have changed since though.
Author:  Matt [ Fri May 06, 2011 7:55 am ]
Post subject: 
I know Aviva accept PH NCB for definite. There will be others.
Author:  Brummie Cabbie [ Fri May 06, 2011 7:58 am ]
Post subject:  Re: Is it true?
cabby john wrote:
A question comes up from another taxi driver and he asks me the following. One of his mates is a taxi driver, and he is retiring from the taxi trade and the driver concerned has maximum no claims as a taxi driver!!

He is now going to be a private motorist and is told that his no claims as a taxi driver counts as ZERO and as a member of the public he has to start all over again...............is that correct?

Generally:

NCB from Hire and Reward insurance DOES transfer to SDP insurance.

NCB from SDP insurance DOES NOT transfer to Hire and Reward insurance.
Author:  Sussex [ Fri May 06, 2011 8:20 am ]
Post subject:  Re: Is it true?
cabby john wrote:
He is now going to be a private motorist and is told that his no claims as a taxi driver counts as ZERO and as a member of the public he has to start all over again...............is that correct?

You can transfer it from taxi to private in full, but not the other way around.
Author:  skippy41 [ Fri May 06, 2011 9:20 am ]
Post subject:  Re: Is it true?
Sussex wrote:
cabby john wrote:
He is now going to be a private motorist and is told that his no claims as a taxi driver counts as ZERO and as a member of the public he has to start all over again...............is that correct?

You can transfer it from taxi to private in full, but not the other way around.


Thats not true I did all I needed was proof of the NCD
Author:  grandad [ Fri May 06, 2011 9:36 am ]
Post subject:  Re: Is it true?
skippy41 wrote:
Sussex wrote:
cabby john wrote:
He is now going to be a private motorist and is told that his no claims as a taxi driver counts as ZERO and as a member of the public he has to start all over again...............is that correct?

You can transfer it from taxi to private in full, but not the other way around.


Thats not true I did all I needed was proof of the NCD


When we first started in the private hire game we could only get 1 year for every 3 as a private motorist.
Author:  2 Jobs [ Fri May 06, 2011 9:50 am ]
Post subject:  Ex Taxi NCB
It is true most insurance companies will not transfer NCB between taxi policies and private car. For taxi NCB to be transferred to private car, we have agreements with the following companies who will accept taxi NCB when a driver is retiring and will allow maximum PC NCB. They are Allianz, Groupama, Sabre and LV/Highway. Can't comment on the likes of Direct Line etc.

No one I know of allows a transfer of private car NCB to a taxi policy on a like for like basis. Some will exchange an NCB from a car policy to an introductory discount on a taxi policy. These include Sabre, LV, Service and a couple of others I don't deal with.
Author:  edders23 [ Sun May 08, 2011 7:21 am ]
Post subject: 
In the past it has been possible to do it both ways when I first started I was able to transfer private NCB to a taxi but that was 20 years ago

Differant companies have differing rules I know with Westminster insurance if you have an accident even if it isn't your fault and the car is written off your ncb is as well thats why I never use westminster now but Aviva are pretty good about that sort of thing just bad at paying up on third party claims
Author:  wannabeeahack [ Sun May 08, 2011 11:08 am ]
Post subject: 
another insurance con/ripoff

I went from private (max) NCB to commercial and CIS "mirrored" my NCB, but after the 1st year they want to claw it back, then going from commercial to PH "Minibus Direct" mirrored 5 years NCB but im back to 3 years now, and havent made any claims

con artists
Author:  charles007 [ Sun May 08, 2011 7:34 pm ]
Post subject:  Yes
Call Be Wiser Insrane
Author:  wannabeeahack [ Sun May 08, 2011 10:29 pm ]
Post subject: 
I now drive FEWER miles than I did 4 years ago, and in a car, not a XLWB sprinter overnight to jockistan, fully laden, Im rarely out after 10pm at night either, so WHY is my insurance higher?
Author:  Chris the Fish [ Sun May 08, 2011 11:28 pm ]
Post subject:  Re: Yes
charles007 wrote:
Call Be Wiser Insrane

Have you got a superfluous "R" in that Charles? :wink:
Author:  Sussex [ Mon May 09, 2011 8:04 am ]
Post subject: 
wannabeeahack wrote:
so WHY is my insurance higher?

Because claimants are screwing insurance companies who in turn are screwing up.

Mate of mine had a stupid woman drive into the back of him the other day, and the woman's insurance company offered him £1,000 for his injuries if he didn't go and see a doctor.

All he told them was that he had a small bruise.
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