Furyous
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| posted on 22/8/11 at 04:58 PM |
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Comprehensive down to "Laid Up" cover
I've SORNed my car for the Winter (going abroad for a few months tomorrow) and I was thinking of reducing my comprehensive cover to TPFT so that
I could get some money back while still building up no claims bonus. I phoned Adrian Flux, my insurer, this afternoon and they said they said they
can't do TPFT because of the car's value, but they can do laid up cover for £66. It's too late for me to phone them up again
tonight, so can anyone tell me if laid up cover would be considered a new policy and I'd lose the time built up towards a year of NCB? Or would
it be the same policy but a step below third party? I have a feeling I know the answer but would like some sort of confirmation.
I've always been insured on other people's cars and I really want to get a full year of my own insurance, which is why I'm reluctant
to just cancel the policy.
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Hellfire
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| posted on 22/8/11 at 05:20 PM |
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Is it a kit car you're referring to? If so, you probably have it insured on a specialist limited mileage policy which don't attract
discounts towards NCBs.
Phil
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Furyous
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| posted on 22/8/11 at 05:51 PM |
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It's a kit on limited mileage, yes. But perhaps "no claims bonus" was the wrong choice of words. Some insurance companies are happy
with just proof of no claims. I think a lot of companies also differentiate between named drivers and main drivers on previous policies.
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