Taxi Driver Online

UK cab trade debate and advice
It is currently Sat May 02, 2026 6:11 pm

Board index » General » General issues

All times are UTC [ DST ]



Post new topic Reply to topic  Page 1 of 1
  [ 12 posts ] 
  Print view Previous topic | Next topic 
Author Message
wannabeeahack
 Post subject: Insurance clauses...
PostPosted: Tue Jan 21, 2014 3:01 pm 
Offline

Joined: Tue Apr 29, 2008 4:06 pm
Posts: 24391
Location: Twixt Heaven and Hell, but nearest Hell
Youd think "Protected No Claims" (at a cost of £100 per year extra) would be a good thing, till you read....


Quote:
Your bonus shall not be prejudiced, provided mo more than one prejudicial claim is made in any of THREE CONSECUTIVE YEARS. In the event of 2 claims in any 3 consecutive years the NCB will revert to 3 years and to nil for any further claims"


crooks

_________________
Of all the things ive lost, i miss my mind the most
Top
 Profile  
 
trotskys twin
 Post subject: Re: Insurance clauses...
PostPosted: Tue Jan 21, 2014 4:53 pm 
Offline
User avatar

Joined: Wed May 23, 2012 7:24 pm
Posts: 6755
wannabeeahack wrote:
Youd think "Protected No Claims" (at a cost of £100 per year extra) would be a good thing, till you read....


Quote:
Your bonus shall not be prejudiced, provided mo more than one prejudicial claim is made in any of THREE CONSECUTIVE YEARS. In the event of 2 claims in any 3 consecutive years the NCB will revert to 3 years and to nil for any further claims"


crooks


Fekk me your quick on the uptake :badgrin: :badgrin: :badgrin:

_________________
All posts by this contributor are made in a strictly personal capacity

I AM PROUD TO BE A CITIZEN NOBODY'S SUBJECT http://www.republic.org.u

F88K EM ALL WHAT GOES AROUND COMES AROUND

BOOZE BOOZE BOOZE
Top
 Profile  
 
wannabeeahack
 Post subject: Re: Insurance clauses...
PostPosted: Tue Jan 21, 2014 10:05 pm 
Offline

Joined: Tue Apr 29, 2008 4:06 pm
Posts: 24391
Location: Twixt Heaven and Hell, but nearest Hell
trotskys twin wrote:
wannabeeahack wrote:
Youd think "Protected No Claims" (at a cost of £100 per year extra) would be a good thing, till you read....


Quote:
Your bonus shall not be prejudiced, provided mo more than one prejudicial claim is made in any of THREE CONSECUTIVE YEARS. In the event of 2 claims in any 3 consecutive years the NCB will revert to 3 years and to nil for any further claims"


crooks


Fekk me your quick on the uptake :badgrin: :badgrin: :badgrin:


No, i KNEW they were crooks but id only just checked the amazing protection

_________________
Of all the things ive lost, i miss my mind the most
Top
 Profile  
 
trotskys twin
 Post subject: Re: Insurance clauses...
PostPosted: Wed Jan 22, 2014 1:46 pm 
Offline
User avatar

Joined: Wed May 23, 2012 7:24 pm
Posts: 6755
Quote:
Your bonus shall not be prejudiced, provided mo more than one prejudicial claim is made in any of THREE CONSECUTIVE YEARS. In the event of 2 claims in any 3 consecutive years the NCB will revert to 3 years and to nil for any further claims"


crooks[/quote]

Fekk me your quick on the uptake :badgrin: :badgrin: :badgrin:[/quote]

No, i KNEW they were crooks but id only just checked the amazing protection[/quote]

After paying for it ............... :badgrin: :badgrin: :badgrin: :badgrin: :badgrin: :badgrin: :badgrin: [edited by admin] #-o #-o

_________________
All posts by this contributor are made in a strictly personal capacity

I AM PROUD TO BE A CITIZEN NOBODY'S SUBJECT http://www.republic.org.u

F88K EM ALL WHAT GOES AROUND COMES AROUND

BOOZE BOOZE BOOZE
Top
 Profile  
 
wannabeeahack
 Post subject: Re: Insurance clauses...
PostPosted: Thu Jan 23, 2014 1:06 pm 
Offline

Joined: Tue Apr 29, 2008 4:06 pm
Posts: 24391
Location: Twixt Heaven and Hell, but nearest Hell
after 1 installment actually

_________________
Of all the things ive lost, i miss my mind the most
Top
 Profile  
 
wannabeeahack
 Post subject: Re: Insurance clauses...
PostPosted: Thu Jan 23, 2014 1:11 pm 
Offline

Joined: Tue Apr 29, 2008 4:06 pm
Posts: 24391
Location: Twixt Heaven and Hell, but nearest Hell
Many dont realise the hidden pitfalls

Theres claiming then finding out it would have been cheaper to fix it themselves when 5 years lost NCB is calculated

Then theres ooopsadaisy....buy a £23,000 car, smash it up the next day, get bottom book (£17,000) and also the HP fees....£4000.....you are £5000 in debt


insure on the knock, write a car off after a couple of months, you paid £7000 for your car, the bottom book is £5000....less excess..£400....and they want your insurance paid up out of the £4500 so you get £3000

_________________
Of all the things ive lost, i miss my mind the most
Top
 Profile  
 
trotskys twin
 Post subject: Re: Insurance clauses...
PostPosted: Fri Jan 24, 2014 3:53 pm 
Offline
User avatar

Joined: Wed May 23, 2012 7:24 pm
Posts: 6755
wannabeeahack wrote:
after 1 installment actually




:badgrin: :badgrin: :badgrin: :badgrin: :badgrin: TO$$ER :badgrin: :badgrin: :badgrin: :badgrin: :badgrin: :badgrin: :badgrin: :badgrin: :badgrin: :badgrin:

_________________
All posts by this contributor are made in a strictly personal capacity

I AM PROUD TO BE A CITIZEN NOBODY'S SUBJECT http://www.republic.org.u

F88K EM ALL WHAT GOES AROUND COMES AROUND

BOOZE BOOZE BOOZE
Top
 Profile  
 
trotskys twin
 Post subject: Re: Insurance clauses...
PostPosted: Fri Jan 24, 2014 3:55 pm 
Offline
User avatar

Joined: Wed May 23, 2012 7:24 pm
Posts: 6755
wannabeeahack wrote:
Many dont realise the hidden pitfalls

Theres claiming then finding out it would have been cheaper to fix it themselves when 5 years lost NCB is calculated

Then theres ooopsadaisy....buy a £23,000 car, smash it up the next day, get bottom book (£17,000) and also the HP fees....£4000.....you are £5000 in debt


insure on the knock, write a car off after a couple of months, you paid £7000 for your car, the bottom book is £5000....less excess..£400....and they want your insurance paid up out of the £4500 so you get £3000


BUT OF COURSE OUR PET MORON.......................A CERTAIN UNION AND THE TAXI CENTER GLASGOW HAD A SCHEME TO GET ROUND THAT LITTLE FIDDLE.........NOT FOR FEKKING SCABS THOUGH :badgrin: :badgrin: :badgrin: :badgrin:

_________________
All posts by this contributor are made in a strictly personal capacity

I AM PROUD TO BE A CITIZEN NOBODY'S SUBJECT http://www.republic.org.u

F88K EM ALL WHAT GOES AROUND COMES AROUND

BOOZE BOOZE BOOZE
Top
 Profile  
 
sasha
 Post subject: Re: Insurance clauses...
PostPosted: Fri Jan 24, 2014 7:10 pm 
Offline

Joined: Tue Sep 21, 2010 7:35 pm
Posts: 1855
Clause in mine;

"If the policy is cancelled within the first 3 months no refund of payments will be made."

So if you pay in installments you'll have nothing more to pay, but if you paid in full you get nothing back :shock:
Top
 Profile  
 
wannabeeahack
 Post subject: Re: Insurance clauses...
PostPosted: Fri Jan 24, 2014 7:46 pm 
Offline

Joined: Tue Apr 29, 2008 4:06 pm
Posts: 24391
Location: Twixt Heaven and Hell, but nearest Hell
like id trust your word

_________________
Of all the things ive lost, i miss my mind the most
Top
 Profile  
 
grandad
 Post subject: Re: Insurance clauses...
PostPosted: Fri Jan 24, 2014 8:00 pm 
Offline

Joined: Tue Apr 03, 2007 11:27 pm
Posts: 20130
sasha wrote:
Clause in mine;

"If the policy is cancelled within the first 3 months no refund of payments will be made."

So if you pay in installments you'll have nothing more to pay, but if you paid in full you get nothing back :shock:

Of course with most policy's you have to pay 20% up front and then the balance over 9 more payments so if you cancel just before the end of 3 months you could have paid nearly half of the premium.

_________________
Grandad,
Top
 Profile  
 
wannabeeahack
 Post subject: Re: Insurance clauses...
PostPosted: Sat Jan 25, 2014 12:01 pm 
Offline

Joined: Tue Apr 29, 2008 4:06 pm
Posts: 24391
Location: Twixt Heaven and Hell, but nearest Hell
grandad wrote:
sasha wrote:
Clause in mine;

"If the policy is cancelled within the first 3 months no refund of payments will be made."

So if you pay in installments you'll have nothing more to pay, but if you paid in full you get nothing back :shock:

Of course with most policy's you have to pay 20% up front and then the balance over 9 more payments so if you cancel just before the end of 3 months you could have paid nearly half of the premium.


or you could have paid the last

my post was just an example

BTW, if you get have a smash and get killed and the cars a write off your family can claim off the insurance if your fully comp, unless its suicide..........

when i renewed i was told it was 10 payments/no deposit "but we want the 1st payment now".... :badgrin:

_________________
Of all the things ive lost, i miss my mind the most
Top
 Profile  
 
Display posts from previous:  Sort by  
Post new topic Reply to topic  Page 1 of 1
  [ 12 posts ] 

Board index » General » General issues

All times are UTC [ DST ]

Who is online

Users browsing this forum: No registered users and 256 guests

You cannot post new topics in this forum
You cannot reply to topics in this forum
You cannot edit your posts in this forum
You cannot delete your posts in this forum
You cannot post attachments in this forum

Jump to:  
Powered by phpBB® Forum Software © phpBB Group