Hi

Our road risks has a 40% no claims, any claim results in a 10% reduction in NCB. We also have a £500 voluntary excess, This give us a reduction in annual premium of about £450, must be 15 years since we had a claim so well in pocket on that.

I would be cautious about running a courtesy car on a general (i.e non motor trade) any driver policy, almost all policy will have a clause invalidating any use in connection with motor trade.

we don't run courtesy cars, can do without the hassle. If I get asked, just point out it would reflect in the labour rate. We will of course help out by running cars / driver home if needed.

Cheers Aidan