When it comes to claims - how far back do insurance companies expect you to go?

When requesting an online insurance quote I know you have to declare all claims, but how far back do insurance companies expect you to go back, or do they only go back so many years? Do you reckon it was...

I hit a cyclist at a junction - if he claims will I lose my No Claims Bonus?

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...

Someone collided with my car when I was reversing out of my driveway - will my premium go up?

I was reversing out of my drive on Monday with parked cars either side and mums and kids around as it was school time. My visibility was poor but I was edging out in reverse very carefully. A car coming...

Should I claim for minor damage or get it repaired and pay myself?

I hit a stationary vehicle causing very minor paint damage to both cars. The other owner (who appears honest) wants to go through insurance channels and will probably end up with a respray of a rear panel....

I have protected NCD - should I claim for damage I caused to my car?

After 50 years of accident free motoring,I scraped my car. Now I'm in a dilemma. I have a policy with LV=, which has a No Claims Discount guarantee. Should I pay for the repair or claim on the insurance?...

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...

Why don't classic insurance policies accrue no-claims discounts?

Until recently I have driven exclusively on classic car insurance. Despite never claiming, I have accrued no NCD, as these are not a feature of classic policies. That seemed a reasonable trade-off for...

Why do I lose my No Claims Bonus if I lose my Motability entitlement?

I've recently been awarded the new P1P on the Motability scheme (no VAT) and have put a deposit on a new Mercedes-Benz GLA. After three years I'll be re assessed for my disability. If I lose my Motability...

I had an accident in a work vehicle - do I need to notify the insurer of my own vehicle?

A few weeks ago I had a accident in a lorry I drive for work. I drove into a ditch, and no other vehicles were involved. My company claimed off their insurance to get the lorry repaired, which was roughly...

Is it worth paying more for protected No Claims?

Is it worth paying a higher insurance premium on my Volkswagen Up to protect 15 years of No Claims Discount?