Free insurance query

[spirez]

Has anyone recently finished their years free insurance on a dynamique as i have heard that they dont give you no claims, even if you dont make a claim in this first year. I was quite annoyed when i heard this so was just wondering what the deal is. And also, how much excess have people got. When i signed the slip in the dealership it said it would be £350 but when my details came through the other week it says the excess will be £500

 

[Dyewitness]

excess goes by age, people under 25 can be hit with a young drivers excess

 

[Big Iain]

MY EXCESS WAS 450 AND STILL IS IN THE SECOND YEAR AND THEY GAVE ME THE YRS NO CLAIMS SO....

 

[edde]

They dont achually give you no claims they give you a quote IF you had been dring since your 17.

There quote are way to much though anyway (well mine was although I had claimed) I got quoted £1.7k after a crash by them and got it for 850 in the end with Liverpool Victoria.

EDD

 

[Rorrie]

i was under the impression, that once you finished you no claims, you would get say 2years no claims if you were 19 when it finished or 3 if you were 20 ect, but none if you left renault, then if you stayed another year, then moved you could move with the no claims!

so if you were 18 got the free insurance, after first year have 2 years, stayed an extra year you leave with 3years ncd

Has anyone founf this?

 

[edde]

Yepe this is apparently true. You dont get your no claims if you leave after the yrs free insurance but if you get insurance out with them for the second year then after that yr they will give you your yrs NCB bonus. However there rates arnt good as mentioned above. Plus if you mod the car you have to pay even more again unlike Liverpool Victori which allow mods free.

EDD

 

[Bryan]

the excess for under 21s is £500

the extra £150 is for being under 21

 

[m_darby]

i got the free year as a no-claim and another insurance company excepeted i had 3 years after that free year.

 

[Rorrie]

so why have some people not had any no claims?? strange

M_Darby - when did you take out the free insurance? as it could be a different scheme that you were in in comparrison to people (such as i) who are still in the scheme?



Rorrie

 

[noel-pilot]

If you leave them after one year you get the standard one years no claims as normal (as long as you have not actually claimed!)

As stated above if you stay with them and pay their rip off prices for a second year then you will leave with no claims back dated to 17, in my case would have had 4 years no claims after just one extra year with them but £600 extra for a quote justwasnt worth it,

 

[Rorrie]

for me i think an extra 500 would be worth it, as having 3 years ncd would really tip things in may favour, if qoutes now are anything to go by, but we will see closer to the time - will have to weight all the costs and benefits up and see whats best

what sort of quote are we looking at from renault for a 19year old on a 1.2 just finished free ins. - with 1 years no claims? - i know area is a huge variable but are we talking 1500 for a good area garaged no points or 1000 - 2000

any ideas?



cheers

Rorrie

 

[MattT]

My years free insurance ran out yesterday...rang every insurer under the sun and the best quote was from Morethan - and I got my 1 years no claims too - for £735 (21, 1.2 Dynamique & big wheels)...Directline was cheaper at £635 but you have to be 25 to have any mods...

Rorrie - I swear I dont work for morethan but Id try them, Directline and maybe Tesco (wont cover mods). Id reckon youd pay bout £800 - £1000 at a guess.

 

[Big Iain]

after my first year i found reno to be the cheapest at 709 with two crashes under my belt too and im 20 for a dci 65 dynamique!

 

[threegrandtofix]

i was 21 at the time, i had 3years ncb with HHH, got my new clio with the insurance, wrote it off, got them to re-build it at a cost of three grand, when this insurance ran out, i when straight back into HHH and said i had 4 years ncb, told them that wrote it off, but said it didnt affect my NCB. OK i had to be a bit bullish in the shop, and demanded that they call their broker and comfirm. Now i am going to have 5years NCB, so the free insurance worked a dream for me. And BTW it was totally my fault, so paid my 350 excess and that was it, even got to rag a matiz for 4 months, (cant slide the back out, almost toppled it)

 

[cliopower]

feckin lying b******s! the dealer told me that id have 4yrs ncb aftter the free one! good job I left my insurance running on my old car for 2 months so ill have at least 2yrs to fall back on. pissed off about this.

 

[spirez]

i do feel they lied as well. as long as i can leave with a years no claims (touch wood) i wont be too bothered.

 

[maff]

they doubled my no claims as incentive to insure with them