Protected NCB and glass replacement

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Sat 24 Jun 2006 17:06
Protected NCB and glass replacement - Andy KT
Hi all,

I've got a quick (hopefully!) query about NCB and claiming for glass replacement. I had to have a rear side window replaced and payed the £60 excess as set out in my policy. I have 4 years NCB protected, and in the policy booklet it states that claims for glass replacement will not effect the NCB. However, I'm a bit uncertain as to if this is in regard to previous NCB (which is protected anyway) or the current years NCB that I would hope to gain. So basically, when my insurance renewal is up will I only have the 4 years NCB thats already protected, or will I be able to claim 5? I'm sure insurance policy are only there to confuse us!

Thanks for any replies in advance,

Andy.
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Sat 24 Jun 2006 18:42
Protected NCB and glass replacement - No FM2R
Almost certainly no effect on your NCB - this years or previous years.
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Sat 24 Jun 2006 18:45
Protected NCB and glass replacement - martint123
If it says 'will not affect NCD' then it's as though you haven't made a claim. Forget it. Mine says:-

Claims for the following will not affect your no claim bonus.
1 ....
2 Damage to windscreens or glass, if this is the only damage.

Your policy may be different though.

Martin
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Sat 24 Jun 2006 18:55
Protected NCB and glass replacement - Citroënian {P}
But would this need to be declared at the next insurance renewal? And would a glass claim increase the premium (ignoring NCD)

Am thinking that although it doesn't affect the NCD that it could count as a claim and therefore have a quite negative effect on the cost of the policy. Is this right/likely?


Lee -- There\'s no place like 127.0.0.1
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Sat 24 Jun 2006 19:50
Protected NCB and glass replacement - Aprilia
But would this need to be declared at the next insurance
renewal? And would a glass claim increase the premium (ignoring NCD)
Am thinking that although it doesn't affect the NCD that it
could count as a claim and therefore have a quite negative
effect on the cost of the policy. Is this right/likely?
Lee -- There\'s no place like 127.0.0.1


Yes. I made a windscreen claim in 2002 and when getting renewal quotes a couple of years later was asked if I'd made any claims. Guardian Insurance would give me a quote at all (they weren't offering quotes to anyone without three years free of claims, at that time).
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