they've got us by the balls I tell ya by the the balls.
52 years NCB
If you have 100 years NCB they only take in to account 9 anyway.I think the calls that you get could just be fishing.
With 50 year NCB your insurance should be foccin free!! There should be a limit to how much you pay in your lifetime (day 10k) once you reach it you then don't have to pay anything unless you have an accident. Then the cost of the accident is deducted and you'd have to pay again until you reached the limit. Would make a much fairer system and the companies would still make money from the interest so it would be win win 🤔
We're all doomed.......to insurance poverty !
Years ago not long after I passed my test I tapped the back of someone in the car, we both got out looked at the little scuff we both had he said narh that's fine and we both carried on our way. But that was both older cars with proper bumpers - the clue is in the name BUMBER - for bumping. These days you so much as touch it and it shatters into a 1000 peices and you are looking at a £600 PLUS labour replacement.I prefer it when you see in other countries everyone has dents in their cars and when you clip someone a few swear words are exchanged but no one even stops.