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  • FIRST POST
    • cantcope
    • By cantcope 7th Jun 17, 2:25 PM
    • 1,664Posts
    • 1,246Thanks
    cantcope
    Car insurance after motability insurance claim - no claims or not?
    • #1
    • 7th Jun 17, 2:25 PM
    Car insurance after motability insurance claim - no claims or not? 7th Jun 17 at 2:25 PM
    I'm due to give a motability car back in august after having it for a year so will need to get car and insurance.
    before i got the motability car i had 10 years no claims (protected) but this didnt count with motability and im not sure how the insurance worked.

    As my luck is bad its no surprise i had an accident last month a week before i was told i had to return the car and a claim has now been made.

    My question is, when i get an insurance quote what now happens with the protected no claims i had? are they now wrecked because i had to claim on the motabiliity insurance?
    my eyes are like mirrors. They reflect whats going on around me rather than whats inside
    Original debt May 06 £16569,25th Feb 08 DEBT FREE

    Last bet : 26th October 2006
Page 1
    • Quentin
    • By Quentin 7th Jun 17, 2:47 PM
    • 33,252 Posts
    • 17,191 Thanks
    Quentin
    • #2
    • 7th Jun 17, 2:47 PM
    • #2
    • 7th Jun 17, 2:47 PM
    Your NCD protection won't apply. (Worth seeing if the insurer you were with is keen to have you back and will offer you a deal)


    If this fails explainin your circs to a local broker (not Swinton) and see if they can get you an introductory discount to reflect your driving history, (though the claim won't help!)
    Last edited by Quentin; 07-06-2017 at 8:08 PM.
    • cantcope
    • By cantcope 8th Jun 17, 12:08 PM
    • 1,664 Posts
    • 1,246 Thanks
    cantcope
    • #3
    • 8th Jun 17, 12:08 PM
    • #3
    • 8th Jun 17, 12:08 PM
    thank you. i will give my old insurer a call like you suggest.
    my eyes are like mirrors. They reflect whats going on around me rather than whats inside
    Original debt May 06 £16569,25th Feb 08 DEBT FREE

    Last bet : 26th October 2006
    • teddysmum
    • By teddysmum 8th Jun 17, 5:55 PM
    • 8,517 Posts
    • 5,046 Thanks
    teddysmum
    • #4
    • 8th Jun 17, 5:55 PM
    • #4
    • 8th Jun 17, 5:55 PM


    If this fails explainin your circs to a local broker (not Swinton) and see if they can get you an introductory discount to reflect your driving history, (though the claim won't help!)
    Originally posted by Quentin


    When insurance legislation changed, quite some years ago, I needed a separate policy, having been on my husband's and a broker got me a special offer which was the equivalent of a few years no claims , as I had driven, claim free , on my husband's policy for years. (It won't be as easy with a claim ongoing , especially if you are to blame, though.)
    • cantcope
    • By cantcope 11th Jun 17, 1:03 PM
    • 1,664 Posts
    • 1,246 Thanks
    cantcope
    • #5
    • 11th Jun 17, 1:03 PM
    • #5
    • 11th Jun 17, 1:03 PM
    yes i was definitely to blame. went into the back of someone as i pulled out at roundabout. they had gone but stalled...
    my eyes are like mirrors. They reflect whats going on around me rather than whats inside
    Original debt May 06 £16569,25th Feb 08 DEBT FREE

    Last bet : 26th October 2006
    • FutureGirl
    • By FutureGirl 11th Jun 17, 3:44 PM
    • 999 Posts
    • 409 Thanks
    FutureGirl
    • #6
    • 11th Jun 17, 3:44 PM
    • #6
    • 11th Jun 17, 3:44 PM
    You only mad notability for 1 year?

    The NCD you had prior to that should still be valid, as usually valid for 2 years BUT you will lose some due to the accident. If you had 5+ NCD it'll go down to 3, any less than 5 then you lose 2 years.
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