accident - no claims bonus insurance

ninky_2

so the OH has managed to write off the car by the looks of it (male bloody drivers...i knew this was on the cards but they won't listen..grrrr). luckily no one hurt just our car a bit mashed at front and tow bar on car infront bent. insurance has been him as main driver for last few years and me as named. he had no claims insurance and seems to think this means fantastic news no problems. i am not so sure. is this no claims insurance portable to other insurers? in other words, will i still be able to use the search engines to find the best deals? or will be have to stick with the current insurers to keep the no claims? i'm pretty sure that when you fill in the detail on-line as well as asking you about no claims they also ask if you have been involved in any recent accidents. will this also impact if i have a car and try to get him on as named driver?

honestly, why can't they just be less bloody cocky behind the wheel?

whatmichaelsays

Contrary to popular belief, protected no claims bonus is not a protection against your premium rising.

Because of the accident, his risk profile will have changed. His next premium will be based on the fact that he is now a greater risk. Your NCB is effectively a "voucher" that is then used to discount the base premium.

So, for example (I'll just use simple numbers):

Base premium without accident = £500. NCB discount at 50% = £250 actual premium
Base premium with accident = £800. NCB discount at 50% = £400 actual premium

All that protected NCB does is protect your "discount". It doesn't protect you from premium increases when your risk profile changes.

ninky_2

that's what i suspected.

would his risk profile also impact on my insurance if i were to put him as a named driver on a car i owned. just working out if it would be better to buy the next car in my name or his. think i have 2 years ncb from a while back and he has 4 or 5 with the protection. i'm female and have had my license a lot longer too.

Shimrod

ninky wrote: »

think i have 2 years ncb from a while back and he has 4 or 5 with the protection. i'm female and have had my license a lot longer too.

If you haven't had any car insurance for over 2 years you NCB will have expired. If it's between 1 and 2 years ago, there are a small number of insurers who will still allow it - many only allow it if it is less than a year since you last had insurance.

Are you with one of the insurers who allow named drivers to earn no claims bonus as well? You would have to stay with the same insurer for another year with the insurance in your name, but that might be the best option if it is available.

thescouselander

ninky wrote: »

so the OH has managed to write off the car by the looks of it (male bloody drivers...i knew this was on the cards but they won't listen..grrrr). luckily no one hurt just our car a bit mashed at front and tow bar on car infront bent. insurance has been him as main driver for last few years and me as named. he had no claims insurance and seems to think this means fantastic news no problems. i am not so sure. is this no claims insurance portable to other insurers? in other words, will i still be able to use the search engines to find the best deals? or will be have to stick with the current insurers to keep the no claims? i'm pretty sure that when you fill in the detail on-line as well as asking you about no claims they also ask if you have been involved in any recent accidents. will this also impact if i have a car and try to get him on as named driver?

honestly, why can't they just be less bloody cocky behind the wheel?

I was wondering about this. Could someone clarify, for the NCD protection to count to you have to renew with the same insurer or will a new insurer honour the NCD protection?

bunking_off

With protected NCD, the "old" insurer would issue a renewal notice with NCD unaffected by the claim. So in that context, yes, it's portable as you could then use that to go with an alternate insurer. However as whatmichaelsays says, although you'd still get the same discount, the discount would be off a higher underlying premium to reflect the higher risk profile having had an accident, so net premium would still go up.

That's not to say protected NCD isn't worth having...using the example above, without protected NCD the discount could fall to (say) 30%, meaning the premium would have been 70%x£800=£560. So don't have the accident premium=£250, have it with protected NCD premium=£400, have it with no protection premium=£560.

In terms of changing who's name the insurance is in, you have to declare all claims by anyone who's a named driver, so the accident will still be reflected in the premium.

Strider590

ninky wrote: »

honestly, why can't they just be less bloody cocky behind the wheel?

The worst by far, are as follows:

Sexually frustrated middle aged men, stuck in boring family cars, with a chip on the shoulder and a point to prove.
They race you off every set of lights in their Mondeo/Octavia (as long as they think they can win), they put the foot down when you try to overtake and they block you off from merging into 1 lane when you get the end of a dual carriageway.

At least boy racers need some encouragement to drive like tw4ts.
These guys are constantly looking for ways to be the "alpha male" out on British roads.

cutandshut

In my experience the insurance wont rise by much. I have NCD protection and wrote off my Discovery last year (my fault - and yes, male) My renewal notice stated 6 years NCD. The renewal premium from my old company was around £20.00 more than the previous year. I renewed with a different company for less than the year before. You dont earn NCD in the year you have the claim.

ninky_2

Strider590 wrote: »

The worst by far, are as follows:

Sexually frustrated middle aged men, stuck in boring family cars, with a chip on the shoulder and a point to prove.
They race you off every set of lights in their Mondeo/Octavia (as long as they think they can win), they put the foot down when you try to overtake and they block you off from merging into 1 lane when you get the end of a dual carriageway.

At least boy racers need some encouragement to drive like tw4ts.
These guys are constantly looking for ways to be the "alpha male" out on British roads.

well he's a bit young to use the middle aged excuse and he gets his oats.:D

honestly though he does drive aggressively and is over confident zooming up the fast lane inches from the car infront flashing lights to get past. 'luckily' this was just at a roundabout going into the back of someone who changed their mind about joining the roundabout at the last second. but as i said if you are observant and drive defensively always leaving enough breaking distance this sort of thing won't happen.

blokes blame women for being emotional but they seem to be the most emotional drivers out there.

it's just a journey not a competition !!!!!!.

Strider590

ninky wrote: »

this was just at a roundabout going into the back of someone who changed their mind about joining the roundabout at the last second. but as i said if you are observant and drive defensively always leaving enough breaking distance this sort of thing won't happen.

Injury claims scammer's favourite location.... You can get absolutely anyone to run into the back of your car if you time things perfectly.
There's a split second where you accelerate away and the driver behind glances to the right (we all do it), if you suddenly stop (especially just over the white line) they won't stand a chance.
The only way to avoid it is to have complete tunnel vision until you reach the island.

ninky_2

Strider590 wrote: »

Injury claims scammer's favourite location.... You can get absolutely anyone to run into the back of your car if you time things perfectly.

oh i hope not! he seemed to think the woman wasn't that sort of person (although quite how you can tell i don't know). although she did give him her details and the phone number is wrong.....still i guess as we have insurance is doesn't matter if she tries to scam some never ending whiplash claim, only in that it puts the premiums up for everybody.

now i've calmed down a bit i feel a bit less annoyed. also to mention he had had the brake pads changed earlier in the day and so apparently they were a bit less responsive than usual.