4 year old thread resurrection - Sorry !
Insurance renewal time with Comfort and I have concerns about staying with them because of the NCB situation. The policy is "Zero rated" I think that is the terminology - So they don't care how much NCB you have. At policy inception time this time last year they asked me to send in my proof of NCB from the previous insurer (Directline) and that they would keep it on file, which I did.
It only later dawned on me that I was unable to protect my 9 years NCB, like I would normally (Back in car ownership days) as the NCB wasn't being used on this policy. So a risk that any Cali claim would reduce / remove any use of NCB in the future.
Had a "Campervan" quote from LV which is comparable in price, but conscious of all the caveats around it that have been discussed here at length, together with the fact that despite requesting a "campervan" quote online, all the resulting documents talk about "Car Insurance" which doesn't instill confidence. I will have to call them to get some proper reassurances - As it just looks like any other car policy to me.
If I renew with Comfort, conscious that it will be another year without being able to protect the NCB and the fact that most insurers won't accept NCB that is more than 24 months old, so this time next year any future insurer could be telling me that it has expired.
I just wish the Comfort policy wasn't "Zero rated" and that you could use & protect your NCB just like normal car insurance.
Anyone's thoughts ?
LV customers - Is that right that all the downloadable docs say "Car insurance" despite me requesting a quote from their dedicated "campervan" website?
Thanks in advance