protected no claims | Ask Honest John

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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...

Do I have to pay my excess even if I have a protected No Claims Bonus?

I have protected No Claims Bonus, but I also have a Voluntary Excess of £250 on my car insurance. I have had a slight accident causing some scratches to the bodywork of my car. What is the position if...

Is there any point of paying for No Claims protection?

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...

Is there actually any benefit in paying to protect my no claims discount?

I have nine years no claims discount on my policy. The insurance company charge £45 per annum to protect this discount. They also state that in the event of a claim the premium will be increased. In view...

I'm a named driver on my son's car and had a collision - will it affect his renewal if I have protected no claims?

I had a bump in my car which was my fault as I reversed into a parked car but fortunately, I have protected NCD. However, my son's cars insurance is shortly due for renewal. I know that my insurance shouldn't...

If I have a protected NCD but have claimed and switch insurers - should I declare a claim?

I have been driving for over 40 years and in recent times have been displaying the kind of loyalty insurance companies show to their own clients - i.e I have been switching regularly to save money and...

Is protecting your no claims bonus worth the money?

I'm considering adding no claims protection at my policy renewal. However I've asked several providers who have given me a quote to illustrate how this protection works in a practical scenario. I asked...

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...