Storm_Man 0 Posted October 4, 2006 As i'm yet to recieve my No Claims proof from Tescos, my new broker (Lancaster) have sent me a letter saying that my scheme has been converted to Scheme Intro Discount. I called them today to find out about this and they have said that my actual insurer (Zenith Classic) have classed the car as a.....Classic and that they don't always need proof of NCB. This will not effect my premium because (I can't remember her exact terminology) I drive a 'Classic' car, and because of this, I'm deemed as a better driver!!!! No wonder it's £20 a month cheaper than my previous Insurer (and they were the cheapest I could find at the time)! Quote Share this post Link to post Share on other sites
Bobby 0 Posted October 4, 2006 I'm with lancaster with my corrado they were well cheaper than other insurers as they classify the corrado as a classic (or any car thats atleast 12 years old), i hope the classis ncb can be used when i switch to a standard policy though.. Quote Share this post Link to post Share on other sites
martinb 0 Posted October 5, 2006 Classic NCB varies with different companies but as a rule most classic policies dont use/build up a NCB in the same way as a normal policy. If Lancasters policy does not use NCB then there is a good chance it wont build one up either so you need to be aware if you are not using your ncb from Tesco on that policy and you dont use that ncb within 2years you could lose it and go back to 0 as most insurers will only accept ncb that is from a policy which expired within the last 2years. Obviously im just basing this on how our classic policies work and if Lancaster do it differently then fair play, but its probably worth checking anyway.... :) Quote Share this post Link to post Share on other sites
CoxyLaad 0 Posted October 5, 2006 I can vouch for the 2 years thing......bastards Quote Share this post Link to post Share on other sites
vr6storm 0 Posted October 5, 2006 I always thought with classic car policies that you also have to be a policyholder on a car insured on an everyday policy........thats what all the classic car insurers Ive got quotes from have always stipulated Quote Share this post Link to post Share on other sites
Louie Lungbubble 0 Posted October 5, 2006 I can vouch for the 2 years thing......bastards Is that 2 year period standard throughout the industry? A mate of mine told me he lost his NCB after not getting a policy within 6 months of his car being written off. :scratch: I thought it was 2 years, too. Quote Share this post Link to post Share on other sites
martinb 0 Posted October 5, 2006 I always thought with classic car policies that you also have to be a policyholder on a car insured on an everyday policy........thats what all the classic car insurers Ive got quotes from have always stipulated again it varies with companies, some of the underwrites we use will only quote classic if its a 2nd car, some put on a large load if its your only car and some dont mind. :) Quote Share this post Link to post Share on other sites
martinb 0 Posted October 5, 2006 I can vouch for the 2 years thing......bastards Is that 2 year period standard throughout the industry? A mate of mine told me he lost his NCB after not getting a policy within 6 months of his car being written off. :scratch: I thought it was 2 years, too. the majority insurers will take a ncb from up to 2years, some (but not many) will even take it from longer. If his insurer wouldnt accept the ncb and its still within 2yrs and he has or can get written proof of his NCB just go to another company that will take it. 8) Quote Share this post Link to post Share on other sites
Louie Lungbubble 0 Posted October 5, 2006 Makes sense. I'll ask him if he's already tried that. 8) Quote Share this post Link to post Share on other sites
Storm_Man 0 Posted October 5, 2006 Tesco on that policy and you dont use that ncb within 2years you could lose it and go back to 0 as most insurers will only accept ncb that is from a policy which expired within the last 2years. They said exactly that. If Idon't use them within two years, they will be cancelled. I've got a company car so it means I've got to keep my Corrado to keep my NCB! I've never looked at my Corrado as something that saves money, but I will now! Quote Share this post Link to post Share on other sites
martinb 0 Posted October 7, 2006 Classic NCB varies with different companies but as a rule most classic policies dont use/build up a NCB in the same way as a normal policy. If Lancasters policy does not use NCB then there is a good chance it wont build one up either so you need to be aware if you are not using your ncb from Tesco on that policy and you dont use that ncb within 2years you could lose it and go back to 0 as most insurers will only accept ncb that is from a policy which expired within the last 2years. Obviously im just basing this on how our classic policies work and if Lancaster do it differently then fair play, but its probably worth checking anyway.... :) Err....slight update on this, as of today i have had a memo stating that classic policies through HIC will now use and build up NCB! 8) Quote Share this post Link to post Share on other sites
Bobby 0 Posted October 7, 2006 checked my lancaster classic policy and apparantley some policies with them build ncb and others don't, luckily mine does. Quote Share this post Link to post Share on other sites
