Protected no claims question

isayoldchap

binty wrote: »

That's what I was thinking. In which case is it best to protect your no claims or not? It seems to add about £60-70 onto the cost of my quotes, and I'm struggling to get a quote under £300, which seems a lot. My OH is 34, only driver of our car (w reg mondeo 1.8TD)

My head hurts!

Follow Martin's advice regarding car insurance.I would go for another insurer
through www.quidco.com .That way I should get cashback,a new customer bonus and some companies may even offer me £50 extra cashback (like the post office insurance have done recently(offer comes and goes).

I shouldn't opt for companies wanting to beat your renewal until you have checked out the market.

Watch out if you want to protect those no claims.As mentioned previously some may not protect if you have had a certain amount of claims in a set term.

Finally go for the valuable legal cover (best around £50k).Covers a variety of things and usually cheap at about £20

shelly

binty wrote:

does protected no claims apply only if staying with same insurer?

No-ones touched this bit so I will

Hubby has protected his NCB ever since he's been able to and we usually change ins co's every year and have never had a problem protecting NCB with the new co.

Astaroth

Some insurers may have special conditions on if you can protect your NCD or not (generally those that offer a "NCD for life") but you can certainly protect your NCD when you switch company as long as you meet their criteria (normally just that you have at least 4 years NCD)