Can I recover lost no claims

drdog_2

I was driven into while my car was stationary.

Foolishly (or unwittingly) I did not have protection for my no claims - so its gone from 8 years to 3 with a resultant massive hike in insurance cost.

Is there anything I can do to get any of that no claims back - or just make sure I have it for my next car?

Torry_Quine

Why have you lost the no claims discount? Didn't the claim get paid from the other party's insurance?

Aretnap

Why are you losing your no claims bonus? If the other driver was at fault your insurer should be able to recover the cost of the claim from his insurers. You might temporarily lose your no claims bonus while they complete this process, but you shouldn't lose it permanently.

Or did he scarper, or was he uninsured?

londonTiger

i think a recent accident on your record is likely to be the cause of the hike rather than a reduction of noclaims from 8 to 3.

arcon5

Is it normal to loose 5 years NCB also?

drdog_2

I think London Tiger is right ... after a long conversation with the broker at the moment I still have 8 years NCB - and at the moment it would appear that the insurer are treating it as a no fault claim with NCP - so if the 3rd party [who were insured] don't argue [I was stationary when they drove into me] then I retain 8 years NcB. But quote for prospective new car from same insurer seems v expensive given car I had my eye on is a much cheaper insurance group.

What caused the query is when I filled out an online form for a quote there were questions about my NCB and the accident - which I think I filled out correctly - but then needed to get clarification when I got the quote

Retrogamer

A lower insurance group doesn't always mean cheaper insurance. It would be cheaper a the time the vehicle was released, but depending on how many claims are made on it after a while the "risk" associated with the vehicle will rise.

For the sake of £40 or so (at least for me) it's worth protecting your NCB if you get the chance.

vaio

and don't forget any documented & mitigated non-fault loading can be recovered just like any other consequential cost

Aretnap

arcon5 wrote: »

Is it normal to loose 5 years NCB also?

2 is normal. However most insurers only recognise 5 years NCB - any larger number that you have on your form is just there for vanity. So if you have 5 or more years no claims and make a claim, you end up with 3 years - any number greater than 5 is treated as if it was 5.

InsideInsurance

Even for insurers who do recognise up to 9 years NCD it is often the case that you step down to 3 years after a fault claim and then the normal 2 year step down applies after that.


Whilst the claim is open you will most likely need to declare the lower NCD and declare the claim as open but make the insurer aware of the circumstances and ensure they'll allow you to reinstate to 8 years after the claims resolved (and check if they'll admin fee you for it). You could ask your broker/ insurer if they'd honour the 8 years anyway, in the old days a few insurers would effectively guarantee your NCD in a clearly non-fault accident with an insured TP but its certainly less common these days

OddballJamie

Aretnap wrote: »

2 is normal. However most insurers only recognise 5 years NCB - any larger number that you have on your form is just there for vanity. So if you have 5 or more years no claims and make a claim, you end up with 3 years - any number greater than 5 is treated as if it was 5.

My current insurer recognises up to 9 but a previous one did up to 15 and it dropped every year (I tested it with online quotes).

Even though I've got 10 years NCB I always protect, for the sake of £12 it's worth it for me.