Latest Brentacre News and Events


  1. No Claims Bonus Information

    What is no claims bonus and how is it built?

    No Claims Bonus (NCB) (also known as No Claims Discount (NCD)) are awarded on most car insurance policies for each full year completed without you or a third party making any claim against your own insurance policy (known as a “fault” claim). By having this NCB discount to use on your car insurance policy, you can make huge savings. NCB can however only be applied to a single policy, cannot be combined with other NCB nor split to make multiple.

    If NCB can only be applied to one policy, what happens when you want to insure a second vehicle?

    If you have one set of NCB on your main policy and buy a second or third car, you cannot use the No Claims Bonus directly if it’s already on your first vehicle. This effectively starts the new policy with 0 (zero) years no claims bonus. We don’t think it’s fair to be paying for a policy on 0 bonus when you’ve earned 15 years NCB on your main car! So we (and many other brokers and insurers) can ‘mirror’ your no claims to provide a discount on the 0 bonus policy as if you had bonus to apply. We’ll still need proof that you have it, but the bonus can stay with your main vehicle. The main difference with mirroring is that it can only be done on claims-free years represented by bonus. If you have 3 years NCB but never made a claim, we can mirror 3 years. If you have 9 years bonus, but had an accident 3 years ago, we can only mirror 2 or 3 irrespective of your NCB. But even that should provide a something of a discount. Very recent claims could result in their being nothing to mirror.

    NCB Shelf Life

    Once No Claims Bonus comes off a policy either by cancellation, or the end of the policy’s life, any accrued No Claims Bonus has a 2 year shelf life. This is from most insurers. Once 2 years elapses from the date of cancellation or end of the last policy it was applied to, it disappears for good. This is something to pay particular attention to if you’re considering getting a company car, or consider sharing one car within the family. If you’re just a named driver on your partner’s policy or on a company car for two years, you could come out the other end looking to get insurance again and finding you have no bonus to use.

    Stepping Back your No Claims Bonus

    You accrue bonus when no claim is made against your policy. When an incident occurs, your no claims bonus will be affected in some way. Initially all claims will start as “pending” and assumed “fault” meaning all parties involved are deemed at fault until it has been investigated. If your insurer makes a full recovery or your legal team claim from the 3rd party directly, this is closed off and your own no claims bonus reinstated. If the claim goes against you, your no claims bonus is compromised and will be stepped back within certain rules. These vary by insurer, but three of the main insurers we work with are detailed in the table below.

    No claims bonus protection

    Once you’ve reached the threshold number of no claims bonus years (normally 4 or 5) you can opt to ‘protect’ your bonus. This means that when a fault claim would normally start stepping back your bonus straight away, it can be prevented for up to two claims. NCB protection does normally cost a small extra on top of your premium, but it can bring peace of mind. With bonus protection, your premium could still increase in the event of a claim, however your NCB discount would still apply in full.

    The table below is for a driver with 5 or more years no claims discount and no current fault claims: (non fault claims where your insurer has made a full recovery do not count towards this step back procedure, however can still have an impact on your premium.

    Highway

    Markerstudy

    Ageas

    ERS

    Without No Claims Bonus Protection

         1 Claim in any 5 year period

    3

    3

    4

    2

         2 Claims in any 5 year period

    1

    1

    2

    0

         3 Claims in any 5 year period

    0

    0

    0

    0

         4 Claims in any 5 year period

    0

    0

    0

    0

         5 Claims in any 5 year period

    0

    0

    0

    0

    With No Claims Bonus Protection

         1 Claim in any 5 year period

    5

    5

    5

    5

         2 Claims in any 5 year period

    5

    5

    5

    2

         3 Claims in any 5 year period

    3

    1

    4

    0

         4 Claims in any 5 year period

    1

    0

    0

    0

         5 Claims in any 5 year period

    0

    0

    0

    0

  2. How to obtain your driving licence endorsements for your insurer.

    The DVLA have stopped issuing paper counterparts to new licences as of June 8th 2015. We (and others) will still need access to the endorsements. If you are required to send a copy of your or a named driver’s licence, please take the following steps:

    1) Photocard or paper only licence; Scan/photograph/photocopy this as normal. We need both the front AND the back.

    2) Endorsements (this applies to both photocard and paper-only licence holders).

    1. Navigate to www.gov.uk/view-driving-licence
    2. Enter your driver number (found on your photocard or paper licence)
    3. Enter your National Insurance Number
    4. Enter your Postcode and hit continue (If you have lost some of these details, you can also log in using your name and address, click on the “log in using personal details” link near the bottom of the page.)
    5. Once logged in, click “Share Your Licence Information” at the top right.clickshare 
    6. Click the green “Create Code” on the bottom left.This will generate a code and a PDF in the background.clickcreate 
    7. You now have one of two options:
    1. Directly underneath the code is a link which says “View, Print or Save your Licence Information”. Click this to download a PDF and email this directly to the email address on the documents we sent out.
    2. If you’re struggling, email or call with the code generated on screen and the last 8 characters of your driving licence number and we will be able to access it from here.clickcode

    The DVLA have also released their own video tutorial:

  3. Sun, Sand and Stolen Vans

    A complicated insurance case hit my desk the other week. Sadly (or possibly thankfully) they were not insured with Brentacre at this time but rather a friend of a friend asking for advice about their own insurer.

    Vans are popular with surfers and outdoors enthusiasts, you can throw your boards and bikes in the back without worrying about roof racks and straps, and if you staying out late you can even smuggle in a couple of beers, camping stove and a rock ‘n’ roll bed. Brentacre’s modified van insurance policies allow for all manner of modifications so we have all sorts of private vans with a myriad of uses.

    Back to the case above, this particular van was owned by Bob (that’s not his real name) and Bob is is an avid surfer, he bought his van on finance and was having a great time with it. Bob wasn’t keen on taking his electronic key into the water, and there was nowhere safe to store it outside his van.

    key safeTo solve this problem, Bob invested in a key safe similar to the one on the right (actual brand and model unknown). It locks securely to the van’s tow ball and is openable only with the combination… or so Bob thought.

    As it turns out, some boxes like those pictured can be opened by repeated hard blows with a blunt heavy object. Angle grinders can also be effective. Bob is in the water, the thief had plenty of time and didn’t need to worry about the noise. If anyone asks, it’s his own van.

    Bob finished his session, came back to the beach car park with nothing but his board and wetsuit… but there was no van. Not only was the van gone, but so were his clothes, phone, wallet and other belongings. Bob’s van was found a couple of days later burnt out and unsalvagable, it was a total loss case.

    But there was worse news to come. Bob’s insurance policy clearly states that the key must not be kept in or on the vehicle and as such the insurance company are not going to pay him a penny!

    letter

    Your key is an integral part of your van’s security, if insurance companies allowed this type of storage, they would open themselves up to endless avoidable claims, and this would put van premiums up across the board. The rule is there to protect both the insurers and the owners.

    So how can I keep my car or van key safe and insured when I’m in the sea?

    The only safe way is to keep your key on your person at all times. For electronic remote-locking keys, this is rarely possible. You can purchase waterproof pouches, although one very effective alternative used by our own staff here is a waterproof key without the electronics. There’s no remote locking or unlocking function so it is just a standard key and immobiliser chip with nothing to damage. Simply tie on a lanyard or boot lace, wear it under your wetsuit and you know it’s safe. It doesn’t matter when it gets wet, knocked or tugged (unlike a plastic bag). You’ll then always have your key about your person protecting your van, investment, assets and insurance.

    As day and camper vans become more popular, thefts are on the rise. Surfing unfortunately vans make great targets and more get stolen every week.

    10460757_667919319994710_6183850741764180797_n

    Always read your policy documents in full, even if after you’ve taken the policy out. Make sure you understand what is and isn’t covered. If you want to try something new whether key safes, modifications etc. check your policy wording to make sure they are covered properly. This way you can avoid potential pitfalls and make sure you never end up out of pocket.

  4. Christmas and New Year Opening Hours 2014

    Our Christmas opening hours for 2014 are as follows.  To ensure continuous cover, if your renewal falls on any of these days, please make sure you ring in. Policies do not auto renew without your instruction.
    [table caption=”Christmas Opening Hours” width=”50%”]
    Date, Times
    Monday 22nd, 9am-5:30pm
    Tuesday 23rd, 9am-5:30pm
    Wednesday 24th, 9am-1pm
    Thursday 25th, Closed
    Friday 26th, Closed
    Saturday 27th, 9am-12pm
    Sunday 28th, Closed
    Monday 29th, 9am-5:30pm
    Tuesday 30th, 9am-5:30pm
    Wednesday 31st, 9am-1pm
    Thursday 1st, Closed
    Friday 2nd, 9am-5:30pm
    Saturday 3rd, 9am-12pm
    Sunday 4th, Closed
    Monday 5th Onwards, Business as usual
    [/table]

  5. Pendine Sands Hot Rod Races 2014

    It’s been a couple of weeks now since I’d been to the Pendine Sands Hot Rod Races, so I thought it was time to attach some photographs and write a few comments.

    Firstly I must thank the VHRA for putting on the event, and allowing it to run so smoothly and with such a fun and relaxed atmosphere. Running events like this can’t be easy and I’m sure there are many hurdles and obstacles that need addressing that we will never be aware of, when we just turn up for our weekend of nostalgia. So thank you Neil and all at the VHRA! Your hard work is really appreciated.

    image66

    Most of you will be aware that last year’s event achieved rave reviews, even gaining the title of ‘Best Show in the World’! So the pressure was certainly on to try and follow that. As a resident of Wales, living just half an hour from Pendine, I am acutely aware that the weather can play a big part in…well life in general. The weather for the whole weekend was fantastic and certainly helped the atmosphere. In fact I’m still peeling from the sunburn on my arms!

    The VHRA members were out in force from throughout the UK, and there were even cars there from Germany. You’ll see from my pictures that there was a fantastic variation in vehicles which was encouraging to see. Every vehicle had two runs on each of the two days and although that was great to see, I think my favourite part was when they all drove back to the paddocks in convoy. A real sight to behold! Like a mirage of hot rods getting ever closer as they got back to the safety of the pits!

    P1020770

    I’ll let the pictures tell the rest of the story. If you were thinking of making the trip West next year, put the date in your calendar and come along. If you own a suitable vehicle consider joining the VHRA and support the Club. Why not try and keep the scene alive and relevant by supporting a Club that is designed to give something back to its members? If you don’t have an appropriate vehicle, like me, go along anyway. You won’t be disappointed!
    ‘Best Show in the World’ is some accolade and is a very personal thing. How can you compare a Hot Rod show with the NEC Car Show for example? So if you ask me if Pendine Sands is the best show in the world, I’d have to say it’s the best show I’ve attended in over 20 years of going to classic, custom and hot rod events. Best show in the world?? Probably!

    http://www.vhra.co.uk/VHRA/Home.html