My car insurance renewal notice has arrived (in plenty of time - renewal date is 30/6). As usual the brokers assure me that they have trawled the market and my existing insurer offers the best value. Frankly, I think this is unlikely. There are several errors in the broker's paperwork, although the paperwork from the insurance co is correct - so I don't have a lot of confidence in the broker. I renewed with them, and the same insurance company, last year as there was a claim being processed and it seemed simpler to stay with the same company.
I am trawling the online quote services/companies to get alternatives. However, my problem relates to the NCB. I have 65% protected NCB - which is stated on the "Premium Advice Notice" under No Claim Discount Entitlement. However, I did make a claim in March 06, so under No Claim Discount Years the entry is 01.
The quote services sometimes ask for length of NCB entitlement, sometimes for number of years, not usually for percentage discount. When I put in 1 year, I can't get a quote with protected NCD. What should I be putting in these boxes?
I suppose I will have to ring them up, but does anyone have a definitive answer?
Ideally I would like to go through quidco, where I can get up to £100 cashback - but if you have to do the insurance over the phone, it won't qualify for quidco - needs to be all online.
Hope I haven't lost you all in the rambling. Any advice gratefully received.
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I would say however many years you actually had prior to your claim, and then declare the claim, stating that it was your fault and that you did lose your NCB.
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My renewal said 7 years and 70%. You need you years for your query as the percentage changes with different insurers.
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OP,
If you are getting quotes online, don't forget to check out Quidco! Can save you £100's
M
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If you are getting quotes online don't forget to check out Quidco! Can save you £100's
£100 perhaps, in cashback.....
Worth a look, but it depends on your insurance cost. For my last year insurance on my Megane (£250), the £80 was a good cashback, but for this year's S80 (£700), the cashback didn't offset the higher premiums.
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hjd, how many years NCD were there at renewal before the March 06 claim? The usual NCD rule, when not protected, is to lose two years and not earn any in the year of claim. If you had 3 years (normally the minimum to have protected bonus) at June 05 but not protected, you would have 1 year at June 06 and 2 years now at June 07.
All insurers differ. You can always phone the with insurer with a competitive online quote to check you are putting in the correct number of years NCD, then buy online via Quidco.
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Working for an Insurance company I can answer this one.
You 65% no claims bonus that is protected is what counts here. Although your insurer is obviously not very clear on your NCB enitlement in years.
You can protect your no claim bonus once you have 4 years and 4 years is normally the equivalent of 60% NCD.
If you have 65% protected it is more than likely 5 years or more.
Most insurers stop at 5 years NCB as that is their maximum, there are a few that go up to 9 years but generally the discount remains at 65%.
There are a few insurers that go up to 70%
Your best bet is to call your insurance company and ask howmnay years no claims bonus you have.
In the meantime if you are getting quotes, I think you are safe to say 5 years NCB as this will remain unaffcted by your claim.
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Thanks - and obviously I would declare the accident so all info is available.
The renewal forms say 13 years and also 65% protected - although only 1 year since the last claim.
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