NCB dropped by 5 years for one claim?

thehappybutterfly

I had a wee prang in my car in January this year (big scrape down the left hand side when parking). I claimed on our insurance as the cost was approx £900. We recently received our renewal and our NCB has dropped from 9 years to 4 years. When I queried it, they blamed it on the underwriters' policy. I expected it to be reduced by maybe 2 years but not five! Does this sound right? I'm not going with them this year but this is my only proof of NCB.

gilbert_and_sullivan

'Protecting' the NCB is the only way to stop this.

Doesn't stop them increasing the premiums if you have a cliam but maintains your NCB.

As for your claim, if you have damage that doesn't include a third party it is always worth trying to get it fixed cheaply out of your own pocket, when you factor in excess and likely future premiums...plus its a 'life' lost if you have protected policy...something i have had for more years than i can remember.

I reckon on under a grand to be not worth involving insurance at all if possible.

Strider590

Does make you wonder what insurance is for sometimes......

Daft bat hit my car a year or so ago, they dragged it out for 18 months and the addition premium I suffered until it was resolved actually meant it would have been cheaper to get out of my car and write the stupid cow a cheque for the £600 her repairer charged for a new wing mirror.

And my premiums STILL haven't returned to a normal level despite it going 100% in my favour! So total cost to me, probably in the region of £1000 just because this silly cow thought an entire queue of cars was actually double parked on double yellow lines....

neilmcl

thehappybutterfly wrote: »

I had a wee prang in my car in January this year (big scrape down the left hand side when parking). I claimed on our insurance as the cost was approx £900. We recently received our renewal and our NCB has dropped from 9 years to 4 years. When I queried it, they blamed it on the underwriters' policy. I expected it to be reduced by maybe 2 years but not five! Does this sound right? I'm not going with them this year but this is my only proof of NCB.

Most underwriters will only take 5 to 7 years NCD as a maximum into account. Anything above this is essentially wasted. It sounds like they've docked 2 years for the claim from a maximum of 7 you may have had as well as not crediting a year for this current year, hence why you seem to be getting 4 years on your renewal.

Personally I'd write to your insurer's asking them to explain exactly how the NCD has been calculated.