Protected no claims query

Bangerchick

Sorry if this is not the correct place.
I have a query and wondered if anyone knew where I stand.

I took out car insurance online with Swinton car. Via a comparison site but can't remember which one...

Anyway I am sure I remember paying a small amount extra to get a protected no claims.

In Feb I had an accident and was filed as I was in fault.

I'm looking at the hard copy of my documents and does indeed say I have 5 years protected no claims and yet from a phone call I just made Swinton say I don't have any. In my documents it states I am protected as long as no more than 2 claims were made within a 5 year consecutive period.

Looking over old insurance docs I have one claim made dec 07 and one made dec 08 and so I should be ok?

I just wanted to know whether Swinton will go with their online details or my hard copy?
I thought I would ask on here before I call Swindon back.
Any advise would be greatly appreciated.

EdGasket

If you have written evidence of protected no-claims bonus then stick to your guns and don't be fobbed off. Don't ever send back the original document if asked, always send a photocopy. You never know if you'll need it for court evidence if it goes that far.

forgotmyname

In your documents it may explain about protected no claims yet you may not actually have it.

What does your certificate and invoice if you have one say?