So Im Back to the NCM Insurance....
08-27-2023, 08:08 PM
#41
Burning Brakes
Member Since: Dec 2015
Location: Lake of the Ozarks, Missouri
Posts: 1,185
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Jabcat. To clarify, I pay a total of $589 for all 3 combined together. I am just realistic about what I picked for mileage to get the great rate. I have spoke with Adam @ NCM many times and it is mileage, not where you go.
I agree, we all make choices, I prefer to pay as little as possible....
I agree, we all make choices, I prefer to pay as little as possible....
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JABCAT (08-29-2023)
08-27-2023, 08:20 PM
#42
Safety Car
Thread Starter
Jabcat. To clarify, I pay a total of $589 for all 3 combined together. I am just realistic about what I picked for mileage to get the great rate. I have spoke with Adam @ NCM many times and it is mileage, not where you go.
I agree, we all make choices, I prefer to pay as little as possible....
I agree, we all make choices, I prefer to pay as little as possible....
08-28-2023, 02:13 PM
#43
If you are military, USAA is great. $750 per year, $500 ded. pleasure use only. It does help that I have a couple other cars, one of them is my DD, and my homeowners policy.
08-28-2023, 09:00 PM
#45
Safety Car
Thread Starter
08-28-2023, 09:17 PM
#46
Burning Brakes
Member Since: Dec 2015
Location: Lake of the Ozarks, Missouri
Posts: 1,185
Received 388 Likes
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If I remember correctly? And it has been awhile since this was discussed...
They said they would pay the claim, but would upcharge you for the difference in the policy costs between where you had limit set and what was on it. I am guessing it would come directly out of the claim proceeds?
I wouldn't be surprised at the next renewal there would be a substantial increase or suggestion of different company if you had exponentially violated the terms.
On a side note, if you know you are getting close to the limits and want to increase, a simple phone call is all it would take and they would just adjust the premium. SO there is no one to blame but yourself.
They said they would pay the claim, but would upcharge you for the difference in the policy costs between where you had limit set and what was on it. I am guessing it would come directly out of the claim proceeds?
I wouldn't be surprised at the next renewal there would be a substantial increase or suggestion of different company if you had exponentially violated the terms.
On a side note, if you know you are getting close to the limits and want to increase, a simple phone call is all it would take and they would just adjust the premium. SO there is no one to blame but yourself.
08-29-2023, 09:17 PM
#47
Race Director
Member Since: Nov 2017
Location: Prosper TX/Austin TX
Posts: 10,955
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2020 C6 of the Year Winner - Modified
Jabcat. To clarify, I pay a total of $589 for all 3 combined together. I am just realistic about what I picked for mileage to get the great rate. I have spoke with Adam @ NCM many times and it is mileage, not where you go.
I agree, we all make choices, I prefer to pay as little as possible....
I agree, we all make choices, I prefer to pay as little as possible....
11-06-2023, 11:06 AM
#48
Heel & Toe
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RKCRLR (11-06-2023)
11-06-2023, 11:10 AM
#49
Safety Car
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jimmie jam (11-06-2023)
11-06-2023, 02:21 PM
#52
Heel & Toe
11-06-2023, 02:46 PM
#53
Safety Car
Thread Starter
It was EZ peezy and for the $1100 im paying sure beats State Farms $3100. Something new I noticed on the application was a multiple check boxes as to how you intend to use the car one of them was going on pleasure cruises car show events etc. I selected pleasure cruises and the drive to work rider and all were accepted. I feel more confident in them now.
11-06-2023, 02:54 PM
#54
11-06-2023, 06:50 PM
#56
Burning Brakes
It was EZ peezy and for the $1100 im paying sure beats State Farms $3100. Something new I noticed on the application was a multiple check boxes as to how you intend to use the car one of them was going on pleasure cruises car show events etc. I selected pleasure cruises and the drive to work rider and all were accepted. I feel more confident in them now.
11-06-2023, 07:59 PM
#57
Le Mans Master
Member Since: Aug 2018
Location: South Hill Wa
Posts: 7,003
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2022 C5 of the Year Finalist - Modified
2021 C5 of the Year Finalist - Modified
As mentioned earlier in this thread I don't run around paranoid of having awesome NCM insurance. It fits my needs perfectly.
11-06-2023, 09:25 PM
#58
Safety Car
Thread Starter
11-06-2023, 09:53 PM
#59
Safety Car
Yes they do. Used them three times. Need to send them all info on all cars on my current insurance and drivers living in my house hold. I dropped them because No go on golf course use and going to Doctor visit.
11-06-2023, 10:29 PM
#60
Le Mans Master
I have written correspondence from the NCM broker that says that they consider it daily driving going to the grocery store, doctors appointments, etc. and it isn't covered. Some may want to take the risk that verbal communications overrides written policies but if you're willing to take that kind of risk why pay for insurance in the first place?