Scenic Insurance - Any experiences ?

Ewan · Dec 3, 2012

My insurance renewal is coming up and I've been looking at quotes from Comfort, Safeguard and Scenic. I've been with Comfort for the last two years and have got a competitive quote again (just under £300 for 10k miles including business use).

However, the chap at Scenic pointed out that my 10 yrs+ no claims bonus (earned prior to Comfort) will expire very soon. It seems NCB is only 'live' for 2 years. They would honour it if I switched but I would lose this by staying with Comfort. The Scenic quote was only marginally higher than Comfort's so pretty competitive. (Safeguard's was way off - largely since they can't exclude breakdown cover which I already have).

This whole NCB business seems a minefield ... what are the pros and cons ? And does anyone have experience of Scenic ? (Think they're connected to Safeguard since they referred me directly).

calikev · Dec 3, 2012

I am in the same boat as you and at the moment insured with comfort I have a proof of nc
Of 13 years that I don't want to lose. So I will be looking next year so would be interested in your outcome. I have heard of scenic :thumb

Andy · Dec 4, 2012

Try Caravan & Camping Club insurance. I moved from Comfort to them for this very reason. CC&C quote was only £18 or so more than comfort & of course I get to keep my 10 Yrs NCB.
Apparently you don't need to be a member to get a qoute.

Ewan · Dec 4, 2012

Thanks both. The more I think about this, the more it makes sense to move insurer to keep the NBC. While Comfort are cheaper (marginally), staying with them would reduce by ability/flexibility to move insurers - and shop around to get the best deal.

Andy · Dec 5, 2012

Ewan said:
Thanks both. The more I think about this, the more it makes sense to move insurer to keep the NBC. While Comfort are cheaper (marginally), staying with them would reduce by ability/flexibility to move insurers - and shop around to get the best deal.

That was exactly my thought process at renewal time.

Ewan · Dec 10, 2012

Well I decided to renew with Scenic - only £27 more than Comfort with a lower excess, similar cover and I get to keep all my 9+ years NCB. They're owned by Swinton, underwritten by Axa.

I tried the C&CC insurance but they wouldn't provide Class 1 Business which I need for my work. Comfort don't recognise NCB and I stood to lose it all. And Safeguard couldn't exclude breakdown cover which I still have as my van's less than 3 years old.

Something tells me that some more competition is needed in the insurance market for Cali owners ...

swigle · Feb 20, 2013

Just tried Scenic for my first year's renewal (currently with Comfort) - Class 1 Business use is the killer - they effectively refused to quote.

Looks like I'll be staying with Comfort ...

Ewan · Feb 20, 2013

That's odd. I got Class 1 business use, additional named driver, up to 10,000 miles all for £320.

sebking · Feb 20, 2013

Less for me with Direct Line subject to usual caveats eg over 40, parked on drive not only car, class 1 and in lower risk area.

Gary&Heather · Feb 26, 2013

Direct Line don't do campervan insurance or was it me.... :?:
C&CC don't do NCB from a car to a campervan..... :x

Barryjm · Feb 26, 2013

I insured with Direct Line the first year I had my Cali, before I discovered Comfort.

Regards Barry

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Gary&Heather · Feb 26, 2013

Barryjm said:
I insured with Direct Line the first year I had my Cali, before I discovered Comfort.

Regards Barry

I was told by Direct Line that they do not do campervan insurance they only insure vans that was two years ago that's why i went to C&CC insurance and was told by them that i could not use my NCB from my car to a campervan instead they gave me five years NCB discount straight away and now i think i have lost my NCB for my car i will contact C&CC tomorrow to see what is going on... :?

sebking · Feb 26, 2013

direct line now do a Cali as a car no issues, it used have to be on a Van policy but ok now.

Gary&Heather · Feb 26, 2013

Ok thanks for that... :thumb

Andy · Feb 27, 2013

C&CC don't do NCB from a car to a campervan

Garry they accepted my car NCB that is the reason why I moved from Comfort.

Gary&Heather · Feb 27, 2013

Yes Andy you are absolutely right as i found out today i explain to them what had happened when the Insuraance started they said that i should have been able to use my NCB so i asked them to reinstate it they refused on the grounds that it had been over two years even though they had made a mistake the fight continues.... :evil:

Andy · Feb 28, 2013

Gary&Heather said:
Yes Andy you are absolutely right as i found out today i explain to them what had happened when the Insuraance started they said that i should have been able to use my NCB so i asked them to reinstate it they refused on the grounds that it had been over two years even though they had made a mistake the fight continues.... :evil:

Keep on at them if they have made a mistake & good luck.