URGENT HELP PLEASE Whats best guaranteed or protected no claims bonus

vacsac

I have to do my insurance today, Aviva have offered guarranteed and protected no claims for the same price and I dont know what has the best advantage. I have only ever had protected no claims. I am claim free and have maximum no claims. Please help me with some advice if you can as I really dont know what to do. Thank you

rs65

If you have built up three or more years' no claim discount in your own name, then for an additional premium you may be able to protect it. This allows you to have up to two "at fault" claims in a five year period, and means that if your car is stolen, or there is no third party to claim from, you won't lose any of your hard-earned discount.

Now, if you have five years' no claim discount or more, we can also offer the additional protection of guaranteed no claim discount: to ensure that you never lose it! As long as you've had no "at fault claims" in the last three years' and all the named drivers are 21 or over, we guarantee that your premium will not increase in the future as the result of any claims: regardless of how many you make.

Guaranteed seems to mean protected with an additional price guarantee (with subjectivities).

Quentin

Guaranteed is better than protected.

(It doesn't offer any "price guarantee" though)

It means that they won't reduce your level of NCD, no matter how many claims you make over any period of time.

The catch is you have to remain with them to take advantage (ie if you had 3 claims then decided to move insurer, then the new insurer would not continue with the guarantee, (and probably wouldn't allow you to protect it either) and a subsequent claim would mean the loss of some NCD)

vacsac

Thank you for taking the time to help me understand it a bit more, really appreciate it

adamc260

Quentin wrote: »

Guaranteed is better than protected.

(It doesn't offer any "price guarantee" though)

Avivas does however if you stay with them.

" we guarantee that your premium will not increase in the future as the result of any claims: regardless of how many you make."

Just_Some_Guy

adamc260 wrote: »

Avivas does however if you stay with them.

" we guarantee that your premium will not increase in the future as the result of any claims: regardless of how many you make."

The guarantee applies only to the claims related part of the premium, so you will never lose NCD and you will never get a claims load applied. They can still put the price up for an infinite number of other reasons (inflation, house move, car change, mileage increase, named driver gets a conviction, bad credit score, ...).

adamc260

Just_Some_Guy wrote: »

The guarantee applies only to the claims related part of the premium, so you will never lose NCD and you will never get a claims load applied. They can still put the price up for an infinite number of other reasons (inflation, house move, car change, mileage increase, named driver gets a conviction, bad credit score, ...).

Should there be no changes to your circumstances then realistically according to their own admission it should not increase.

Quentin

adamc260 wrote: »

Should there be no changes to your circumstances then realistically according to their own admission it should not increase.

You know something we don't?

The op says he could get this "guaranteed ncd" for the same price as protected ncd and you tell us this actually means the premium is fixed for ever too?

The "guarantee" you quote isn't an "admission" of this at all, though gullibles might be taken in by the weasel wording!