x-ray wrote:
You have to be careful with protected NCB, it just means your NCB is protected by that insurer in the event of an accident. If you have an accident and your renewal quote has increased ( not because of the accident, just the usual price fluctuation) as far as any other insurer is concerned, you have had
an accident and the policy will be ‘loaded’ because of that.
I am aware, this isnt my first rodeo..
you keep the NCB, but the risk is still higher = higher premiums
i also have protected excess, i have to pay it but claim it back
anyone vat registered has to pay the vat on the excess and include it their vat return somehow...(to get it back, if at all/ever)