The other day, I rang up to check why I have not receive my 2004 policy, however when I received it, the NCB is not list on paper, nither the NCB protection, I rang back ask them, why they were not listed any more, after dragful conversation (can't remember the name of guy has Irish irish's accent..), they said all the new policy if it has NCB and NCB protection before, then it will has automatically (but won't list on paper ......cough "BS" cough), but when I check the policy booklet, it has no where listed...
anyway cut the story short, I went to Shanons, for extra $200, with only $400 excess (1000 for famous)..with all features that Famous can't provide and list on my policy,(which you wn't see anywhere from my famous policy), such as
* Chose repairer,
* Life NCB protection
* $400 basic excess
more..
anyway, I believe Famous has better price, but for extra 200, I have piece of mind..