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5 Apr 2008, 16:04 (Ref:2170416)
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Veteran
Join Date: Jul 2000
Posts: 5,361
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Insurance accelerator schemes
Having finally persuaded my dad to lend me some money to buy a car, I've spent most of the week shopping around for insurance quotes - unsurprisingly, they're mostly absurdly expensive because I'm a new driver (the RAC quoted me nearly £2000
 ).A few insurers have offered an accelerator scheme where you pay for 9 or 10 months and if you have no claims in that time you get your full year's no claims bonus. Just wondering if anybody knows much about these or has ever taken out that kind of policy - what's good about them, what's not so good, etc. The obvious downside to me seems to be having to pay for insurance more often for the first few years, and if I do make a claim then I'm buying insurance more frequently without the benefit of the no claims discount. But then again, if I don't make a claim I can get to 4 years no claims more quickly than I otherwise would... Any advice much appreciated. 
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"The more I see of the world, the more am I dissatisfied with it; every day confirms my belief of the inconsistency of all human characters, and of the little dependence which can be placed on the appearance of either merit or sense." -- Elizabeth Bennet, 'Pride & Prejudice' 
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