This has been going through my head recently

I have over 12 years no claims so always pay to protect IIRC it's about

 

You've lost me a bit there Carrie.

Protected NCB is with each ins company at their discretion. I just make sure i get it protected each time i change insurer.

If you exceed your 2 claims in 3 years with the same insurer you will be affected but if you have changed insurers in that time you won't be affected. The 3 year thing runs with the company not the car/driver. Not sure if i've confused you even more.

Ed

 

Yes.


If you haven't protected - just watch your premiums go north face of the Eiger if you have a ding.

 

its

 

[QUOTE=bigfecker,Apr 24 2009, 10:00 PM] its

 

I'm not questioning whether the amount, I'm questioning whether you would actually just be worse off after a claim as you are then tied to the same insurer who can then just choose to put up your premiums anyway

 

If you do make a claim and then change insurer you can protect your no claims bonus but they will ask you if you have made a claim in the last 5 years. If you say yes then watch your premium rise regardless of your protected no claims.

I would also suggest that your premium would also increase with your existing insurer at renewal time

Andy

 

IIRC most insurers give you a 25% discount for the first year's no claims plus an additional 10% for every subsequent year you accumulate up to a maximum of 5 years.

They do, unfortunately, push your premium up by a nominal fee (usually about

 

[QUOTE=integra_man,Apr 24 2009, 10:19 PM] Having been in the situation whereby a claim (that thankfully was - eventually - resolved 100% in my favour) hadn't been sorted out come renewal time, there is no ****ing way on God's green earth I would ever consider not protecting my NCB. Even though I eventually got a full refund when the claim was settled, in the interim the insurance company could only assume I was at fault and my

 

I recently (last week) had to change insurer the day after an accident in my beater, after a bit of persuasion my new insurer was happy to commit to me and not increase costs after convincing him that it would come out no blame on my side.
I was punted up the back by a BIG white doing 50ish whilst I was travelling at 10mph in slow moving traffic, the third party signed a note admitting liability cause he was looking at a broken down car at the side of the road.