Car insurance question.

[stubuzz]

I am insured with Thanachat Bank and it is about to expire. My current policy is 2.

Today, i called them up and asked about the price for renewal. The lady told me if i renew my policy, i will have a 30% NCB. This is my third renewal, so should it be 20%?

I told her i would like to increase my cover to 2+. She told me my NCB could not be used if i change my insurance to 2+.

Does this sound like BS?

How does the NCB work? Do i get the bonus or does it follow the car?

[AAInsuranceBrokers]

The first problem you have is that you are dealing with a bank - 9 times out of 10 they only offer to sell insurance not help or back up as they do not know.

This is a typical case. You say you have 2nd Class but then the Bank is telling you that you have a NCB ? Very interesting, can you name the company ?

You say you wish to up the cover to 2+1 then that is very straightforward and the premium should have been offered.

In Thailand the NCB is on the vehicle for 1st Class

[stubuzz]

The insurance is with Thanachart Bank.

First year i paid 5000bt

2nd year i paid 4400bt

This year they want 3800bt. This, and all previous years were class 2.

I asked about increasing to 2+, i was told about 7000bt. This does not include any discount, as it cannot be transferred to a different class of insurance.

So, i don't have any NCB?