Car insurance and lifetime protected no claims

Mugglelander

Hi! I'm trying to decide what to do with my car insurance renewal. My current provider - Sheila's Wheels - have come in with a quote of £250 including legal protection but before any extras. This provides life time protection of no claims. Another provider has come in at £201 but the no claims protection is for 2 claims in 3 years. This quote also includes legal protection.
Looking at the comments about no claims on the main site, I am wondering whether this life time cover is really worth paying a higher premium for.
I have only made one small claim in 13 years.

Any advice appreciated. Thanks!

bryanb

Protected NCB doesn't usually include protection from premium increases.
They just give the discount on a new premium.

dacouch

There is nothing stopping Sheilas Wheels from refusing to offer renewal of your policy if you have a large amount of claims.

There is also nothing to stop SW applying loads to the premium for your claims but still giving you protected no claims bonus.

This applies to both companies.

Mugglelander

Thank you both! It doesn't sound as though it's worth paying for.

dacouch

I certainly would not pay extra to go with SW who are a budget Insurer with not a great policy