extras oin car insurance quote

hepburn_2

hi my car insurance is due next week and im doing the usual thing of trying to find the cheapest quote and im wondering whether the no claims protection (i have nine) and the legal costs is something you should continue with its something ive always done but is it like the extra insurance you take out on electrical goods etc its there so you do 9i dont any more ) i was just interested in what other people do before i renew mine this time thankyou

crossleydd42

No Claims Protection enables you to keep your number of years' No Claims discount if you have an accident. I'd say it was useful. Legal costs is useful if you need free legal backing on a motor-related problem. It could save you a lot of money in the right (or wrong) circumstances.

pompeyrich

No Claim Discount Protection is a bit misleading, you may think that you can make a claim and your insurance won't go up at renewal time. This is not the case, after you make a claim you are considered a greater risk and your base premium will rise to reflect this. If you have NCDP this will be applied to the new, much higher, base premium so you WILL pay more.
This happened to me, I made a small, £600, no blame claim but at renewal my insurance almost doubled, I tried to shop around but no one would touch me as I had made a claim in the last year !!
Having said that I pay the extra to protect mine, I just wanted to point out the short comings of NCDP.

misterthrifty

Depends how much they want to charge for NCD rotection, you can then try to work out the difference. Not all insurers load the premium after an accident (as detailed in the previous message)but often you won't know until it happens. Probably an extra 10% on the premium would be reasonable.

I think insurers charge too much for Legal Protection and there are companies that will offer this post accident as long as they can recover their expenses. It depends if you are happy to live with the risk.

Mr T