I am currently in the process of saving for a MK2B Sporting (Punto) - so I will drop my old car of the policy and replace with this, My question is though can I change the type of cover? and any tips on how to save some dosh?
Is this possible....
- Thread starter Danny SX
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Is this possible....
Surely, you'll need a whole new policy. It's not just a case of replacing the vehicle on the paperwork.
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Crap! - I'll get on the blower and just hope to god I get a fair deal, if not I'm going to get a fake Identity to say I'm 50 with full NCB. or Rob a bank or win the lottery, or prehaps just save a bit more...:devil:
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To make matters worse Im 21 In november, (apparently when 21 it goes down a notch?) Policy renewal (sp?) is Oct. My dad says if i don't renew (for a month will not drive but get the train) I lose my ncb? If thats the case I'm doing everything in my power to bitch at the company to give me the best deal. I work in a call centre, so I know the words: GIVE ME THE MANAGER! lmao.
I've never heard anything about decrease in car insurance at 21, unfortunately... I'm 20 myself. Once you hit 25 though you'll find you get lower rates.
Not sure about you losing you NCB. Which company are you with?
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churchill
I don't know Churchill's exact T&Cs but in most cases, once you've earned your NCB it stays with you. You can take it to other insurers (as long as you have proof) or with other cars etc. But obviously you can't use it on more than one car at a time.
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Not sure if its possible to change from Fully comp to 3rd party etc.
Might be worth looking at how much it costs to cancel your current policy and retake a new one out with another company.
Try ringing your insurance company up, they might be able to help!!
Mate of mine flogged his Grand Vitara and bought an Astra, the Insurance quotes he'd found were similar, so he rang 'em up, and they very kindly just switched the policy over for him. So it is possible, might not be something all companies would be willing to do.
Mate of mine flogged his Grand Vitara and bought an Astra, the Insurance quotes he'd found were similar, so he rang 'em up, and they very kindly just switched the policy over for him. So it is possible, might not be something all companies would be willing to do.
most companies will change cars mid policy as long as its a car they cover
eg some companies wont touch modifications
how much they charge for this is another matter!
eg some companies wont touch modifications
how much they charge for this is another matter!
I don't understand this, how can you just change the car that the policy is created for half way through. Its the vehicle that's being covered, so it defines 90% of the variables that are considered when calculating the price. If you change the vehicle then everything changes.
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You'll either pay more, or get a refund.
When I got my Focus, I had to pay an extra £270 to change it over.
Okay, so to the original poster - ignore my replies. 
Okay, so to the original poster - ignore my replies.
if you think about it,using your methodology nobody could change car at all except at renewal
it just tends to cost money to change cars
I change my car, once/twice a year. Firstly I pay an amendment fee, £15/20 , then if I`m going up in groups, anything up to £150. Don`t remember ever getting a refund when I`ve come down the groups!! Most companies will recognise your NCB for 2 years after its been issued. What I normally do is go onto a comparision website, (confused.com, etc.) and see what a new policy would cost, if my own company is looking too much, I tell them what I can get a new policy for and threaten to cancel, normally works, but sometimes doesn`t!!
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Yeah I've switched before, Down 1 group, - still they charged me £80 and £30 administration lol, just my dad is clueless on insurance, but I'm glad he is because I would of been fronting when some one hit me on a roundabout. - I didn't know the fronting was illegal at all, most people I know just think it's a way for cheap insurance, after all paying £2000 + is a lot when your 17, I'm glad It's 3 years down the line and will be able to enjoy a Punto Sporting 1.4 soon, all from my hard earnt cash.
I think that until your 21, any car you drive is limited to a certain speed, a certain capacity, and horsepower. Because it costs just too much to pay for insurance!!!!!!
I think that until your 21, any car you drive is limited to a certain speed, a certain capacity, and horsepower. Because it costs just too much to pay for insurance!!!!!!
Agreed.
My first car was an old, 1 litre engine, Nissan Micra which had third party cover only.
In the three years I've been driving, it was the first year I was paying the least for car insurance.
This evening I have changed my insurance to my new car, Im with Direct Line. I didnt have to pay any admin fees, I just had to pay the difference between my old and new cover on the amount of months I had left! Soon to have 2 free months of car insurance!
Not too bad, 80quid a month for my last couple of months on my 150 T-Jet been driving 4 years and have no NCB! so hopefully only cheaper from here on! :slayer:
Not too bad, 80quid a month for my last couple of months on my 150 T-Jet been driving 4 years and have no NCB! so hopefully only cheaper from here on! :slayer:
