Hi
I have just received my CC insurance renewal and have a number of things for which I get a discount (Alarm, Tracker, CC Practical Caravan course, and 3 years NCD). With the CC they list the basic premium and then deduct the discounts BUT they deduct each discount individually from the net premium left after deducting the previous discount so in effect when you get to the last discount it is nothing like the percentage quoted. I don't think this is fair and phoned them to tell them. Response? That's just how we do it and every insurer does this. Not sure about that but anyway I said to them that they should make this clear in the documentation. They said that they would take this on board - not sure if they will but I am not a happy bunny. I have a couple of weeks before I have to renew so I will probably look around, however I will probably stay with them judging by the number of positive posts on this and other forums about their record on dealing with claims (touch wood that I never have to test this!!!).
Cheers
RichardC