I had 20+ years of No Claims Discount - so why have I lost all my NCD after two recent accidents?

I've been driving for 21 years and never had an accident until this year. I had 21 years of no claims discount, but it wasn't protected. This year I had two incidents, I was at fault both times. Now my insurer, AVIVA, say that I have used up all my no claims discount. They only consider a maximum of five years of NCD and if there are two incidents within three years, which applies to me, then all NCD is utilised. I feel that this is unfair. Do all insurance companies work like this? What would you advise for me to do at my next renewal?

Asked on 8 June 2018 by Nader Khan

Answered by Tim Kelly
Maximum No Claims can be from five to nine years. You've had two fault claims in three years, so you lose all your NCD. Welcome to the insurers' version of Snakes and Ladders. The good news is it will only take you five years to get back to where you were. If you ever reach maximum NCD, protect your bonus. At your next renewal, shop around.
Similar questions
Is there any benefit in paying extra for NCD protection when the insurer says that your insurance premium will rise if you make a claim? Both my wife and I have over 15 years NCD, and if we have a claim...
Yesterday I had an accident with a cyclist. I was at fault; I went into the back of him at a junction on a roundabout. I expected him to move as I had seen the traffic was clear to my right, so I moved...
If I have Protected No Claims Bonus with an insurance company but I then make a claim, what happens if I switch companies at renewal? Will the new company regard me as having no claims or do I have to...


Value my car