insurance company took 6 years off no claims for one accident.

InsideInsurance

emma.cook3 wrote: »

I thought it was only reduced by 2 years for a claim.

In the traditional days of almost all insurers capping NCD at 5 years then almost all used to take 2 years off you. CGU were an exception as they continued to count higher years (though gave no additional discount) but still only took 2 years off.

Now it is more common for insurer to count higher years NCD but it is still the case with most that you drop to 3 years NCD after your first fault accident.

Ultimately NCD is not an industry standard thing and its simply the case that most insurers do similar things but there can always be some that throw a curve ball in by doing things differently.

emma.cook3

So I could use my husbands no claims for his car which i crashed.
What about the other car, which is mine, and no-one has crashed. Ibalso had that insured in my name with the same company. Will my no claims be changed on that?

rs65

emma.cook3 wrote: »

So I could use my husbands no claims for his car which i crashed.
What about the other car, which is mine, and no-one has crashed. Ibalso had that insured in my name with the same company. Will my no claims be changed on that?

On the first point, not exactly - your husband could use his old NCD on his car that you crashed.

The NCD on your other car will not be affected by this claim.

emma.cook3

Thanks everyone, now I just need to remember who we insured my husbands car with last year so I can prove his ncd.

twig1_2

You will have to declare the accident on any policy that you are the main driver or named driver though and this will affect the premium as well.

emma.cook3

rs65 wrote: »

On the first point, not exactly - your husband could use his old NCD on his car that you crashed.

The NCD on your other car will not be affected by this claim.

My husband won't have anything to do with money stuff, finds it too stressful, thats why i was saying i could do it.