marzman Posted October 19, 2010 Share Posted October 19, 2010 Hey all... Im just trying to get a quote for my 3-series beemer, and i cant get any decent prices. Cheapest i can find is £857 with Swift Cover for: 27yrs Old 6 Years NCB 25k business miles Legal cover Courtesy car and Protected No Claims I've been on the following sites: GoCompare Aviva DirectLine ComparetheMarket Confused.com Frankly i think £857 is a ridiculous price - i paid less for my zed last year! Anyway - i've just seen that the Protected No Claims is a £112 option! Is it really worth that? What would happen if i made a claim - my premium would go up anyway surely wouldnt it? Any thoughts on protected no claims - whether its worth it or not? Quote Link to comment Share on other sites More sharing options...
Zugara Posted October 19, 2010 Share Posted October 19, 2010 I never bother, its a rip off TBH. If your involved in an accident, and its not your fault, you dont loose your NCD anyway. Its a bit like the "legal assistance" Hmmmmm. Just too add salt I renewed my insurance on sunday, £295 fully comp.. Quote Link to comment Share on other sites More sharing options...
DoogyRev Posted October 19, 2010 Share Posted October 19, 2010 Just too add salt I renewed my insurance on sunday, £295 fully comp.. Thats because your really old Pual I found Chris Knott to be cheapest for me .... have you tried them? Quote Link to comment Share on other sites More sharing options...
spursmaddave Posted October 19, 2010 Share Posted October 19, 2010 Insurance has risen quite a bit this year, mine is due next month I'm realistic and expect it to go up Quote Link to comment Share on other sites More sharing options...
Zugara Posted October 19, 2010 Share Posted October 19, 2010 Just too add salt I renewed my insurance on sunday, £295 fully comp.. Thats because your really old Pual I found Chris Knott to be cheapest for me .... have you tried them? Old? Old? But didnt the old man work hard on the weekend? Felt like crap on sunday though...... Quote Link to comment Share on other sites More sharing options...
Zugara Posted October 19, 2010 Share Posted October 19, 2010 Morethan....... insurance insured me this time... Probably due to my age TBH... Quote Link to comment Share on other sites More sharing options...
rog518 Posted October 19, 2010 Share Posted October 19, 2010 Admiral all the way I got no claims at no extra cost. I insure my sister and my mum on my zed even tho I have no intention to ever let them behind the wheel it gets the cost down a fair bit so might be worth a try. On a negative note tho there was a thread on here the other day saying admiral were rubbish if you ever have to make a claim..so just dont crash!! Quote Link to comment Share on other sites More sharing options...
scubapics Posted October 19, 2010 Share Posted October 19, 2010 Admiral all the way I got no claims at no extra cost. I insure my sister and my mum on my zed even tho I have no intention to ever let them behind the wheel it gets the cost down a fair bit so might be worth a try. On a negative note tho there was a thread on here the other day saying admiral were rubbish if you ever have to make a claim..so just dont crash!! That may have been my thread about crumpled Z. It was elephant who are also admiral. My moan was about Albany Assistance. To be fair, since telling elephant that I do not want to deal with Albany, they've handled everything without any signs of hitch at all. They've authorised the work with the repair center of my choice which was not the cheapest quote that I provided. So hats off to elephant although it's not over yet as they say. Jim Quote Link to comment Share on other sites More sharing options...
Jenni86 Posted October 19, 2010 Share Posted October 19, 2010 Adrian Flux were best for me this time Another new car for you then What happened to the Fiesta? Quote Link to comment Share on other sites More sharing options...
Neilp Posted October 19, 2010 Share Posted October 19, 2010 admiral for me, but i havent got much no claims lol, have a habit of crashing every three years lol. im with admiral, 22yrs old 1yr no claims, crash about a year and half ago, nismo zed, 1000 quid for the year Quote Link to comment Share on other sites More sharing options...
marzman Posted October 19, 2010 Author Share Posted October 19, 2010 Cheers all... Will try out Admiral and Morethan. Adrian Flux were best for me this time Another new car for you then What happened to the Fiesta? I got an e46 323 Coupe in August as i couldnt bare the fiesta anymore. Quote Link to comment Share on other sites More sharing options...
Ekona Posted October 20, 2010 Share Posted October 20, 2010 I will always, always have protected NCB. No-one is perfect, and I don't want to lose 10+ years of well-earned NCB because I made a mistake and did something stupid. Yes, your insurance will go up if you have a claim anyway, but it won't go up by 60-70% (dependant on insurer and what they give you for full NCB). An absolute must-have, IMHO. Quote Link to comment Share on other sites More sharing options...
bounty78 Posted October 20, 2010 Share Posted October 20, 2010 +1 on protected non claim NCB. I have lost my NCB in the past because of vandalism(not on the Zed) due to no fault of my own having accumulated 6 yrs. It's a bit like buying an extended warranty for a car..peace of mind thing. Quote Link to comment Share on other sites More sharing options...
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