CAR insurance - question re: NCD following claim

ellives

Hello

Can anyone offer some advice please:

I have FC cover and renewal in a week's time (!) with present insurer indicating, pre-accident, that I have 7 years protected NCB.

I had a small collision - the car that hit me didn't stop - my insurers have agreed to the repairs and the car is in the garage now.

A few days before the incident I had received an unattractive renewal quote from present insurers and had started to look elsewhere.

In fact, I had found a different insurer at an acceptable price.

Anyway, a few days later I have the accident and so go back to my insurance quote from prospective 'insurer to be' and change the quote to indicate that I now have an accident in my last 5 year history (as per the question).

So, finally my point (or question...) as I have protected NCB am I correct to report on my application (quote) to new insurer that I have 6 years NCB or am I back to scratch?

I think I may do as my current insurer has re-quoted following the accident and stated that I have 6 years NCB - however, they have put the cost up by £500!

I have proof of the 6 years NCB for the replacement insurer so I am hoping that's that (and will save me £600 too).

The reason why I am unsure is because I have just completed a dummy on line application for my car insurance and they have defined the NCB system as being as "the number of years where you haven't made a claim on your car insurance."

Any advice welcome.....

hubert_cumberdale

how did you get from 7 years NCB to 6 years NCB

if its protected it wont drop a year if it does you have a weird insurance company

ellives

Thanks for your response - it has according to the documents - pre and post accident.

On the renewal schedule pre-accident, it reads...

Your earned NCB
You are currently entitled to 7 years or more NCB

and on the renewal schedule post-accident, it reads...

Your earned NCB
You are currently entitled to 6 years or more NCB

PS Insurance company is household name....

hubert_cumberdale

i thought thats what protect means but now thinking about it you never actually earned the 7th one as you crashed

i understand that now

Jackinbox99

My understanding of the NCB protection is that it is dependant upon the actual insurance company. So, some may let you have say 3 claims in a year before it affects your bonus. But, when you fill in your forms for another company you will still have to declare your accidents / claims and they will adjust your premium accordingly.

I didnt realise if you made a claim, even though you have protected NCB you actually dont get that years NCB... it figures though as your previous NCB is protected but that years is lost due to a claim. I will have to check on that with my insurer.

mikey72

If you have an accident, you don't lose existing previous years, but you don't earn another year.
So you have to use your post accident proof of ncd, ie 6 years.
Declare the accident to the new insurer, and yes, your old insurer will put a masive hike on your renewal anyway, so it's worth shopping around.

It's better to get the on-line quote, then phone up with the reference, run through it all with the advisor, and you should have covered everything you need too.

The_Cardinal

I have just had exactly the same problem and coincidentally with the same number of years.

As you have had an accident you must declare your NCB as 6 years and not 7, even though you were not to blame.

BTW - I tried a number of comparison sites and beat my renewal quote by almost £100.

rev_henry

The_Cardinal wrote: »

I have just had exactly the same problem and coincidentally with the same number of years.

As you have had an accident you must declare your NCB as 6 years and not 7, even though you were not to blame.

BTW - I tried a number of comparison sites and beat my renewal quote by almost £100.

Yes, its no CLAIMS bonus, not no non fault accidents bonus. Unfortunately for the OP it counts as a fault claim because the party at fault is untraceable.

So you have 6 years NCB, and need to declare this recent claim/accident.

ellives

Thanks guys - actually bettered my renewal by £500!