protected no claims | Ask Honest John

Ask Honest John

Most recently answered protected no claims questions

I recently was involved in an accident (at fault but no other parties involved). I've tried to understand how the NCD works but is confusing from the same insurer. So, my policy documents state: Protected...

What use is no claim discount protection in the event of a vehicle theft?

My car has only covered 1100 miles in the last year, does it still need a service?

I have only travelled 1100 miles in the last year and my service is due, is it worth getting a service? Should I need to get a service so soon? I also have 18 years no claim bonus, shall I still protect...

Will my NCB still be protected if I change insurers at renewal?

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...

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...

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...

My car was set on fire by vandals, so why has my premium doubled for an incident that wasn't my fault?

My vehicle has today been deemed a write off after an arson attack outside my house a couple of weeks ago. The perpetrators have not been found and, as a result, my insurance premium has doubled to £1110...

My low value car was damaged and I need to claim for repairs, but how do I stop it being written off?

My 2007 Skoda Superb, which I use drive as a taxi, was hit by a car. It's damaged near the back door and rear panel near the sill. The sill is badly dented, but the door closes and locks. It probably needs...

Why should I pay to protect my no claims bonus?

I am shortly to renew my car insurance and to protect my no claims bonus of nine years, maximum, the charge is £30. For what? It does not seem to me to give any real reason to pay. Could you give me some...