No claim protection transfer to different insurer?

Cheesedoodles

I've been with swiftcover for many many years now and I'm thinking of shopping around a bit since I'm buying a new car.

With swiftcover I have no claims discount of 5+ years.
However, I had a 3rd party claim against me 3 years ago for a sum of around £1000. Since I had the NCD I'm still at 5+ years discount with Swiftcover.

My question is.... If I go to a new insurer will they give me 5+ years NCD or 3 years? I know I have to declare the claim but I'm not sure how the NCD works since I had it protected with Swiftcover.

Thanks

Spiderham

As far as I'm aware you should get 5 years with your new insurer should you move and would be very surprised if you didn't. If the accident was in the last 3 policy years, it may well counts as being one towards your 2 in 3 years limit for protection (this is what most protected policies have as a limit), otherwise should all be fine. Correct to declare it and obviously if you feel in any doubt check with the insurer (just to put your mind at rest if nothing else).

InsideInsurance

Yes, it is still 5 years NCD, even if you had had more claims if Swiftcover's rules on NCDP allowed you to retain your NCD then other insurers would honour that too however in that case they most likely wouldnt allow you to buy NCDP (though with one claim most insurers will be fine)

Cheesedoodles

Thank you both. The accident was just over 3 years ago so falls outside the time limit for 2 in 3...besides, it was such a small claim (1k max) that it hasn't pushed my premium with swiftcover up at all.