Loss of no claims for being hit by debris on an Mway?

Crabman

I experimented with some online quote sites and found that the NCD number didn't appear to make much of a difference when disclosure of a past claim was made - that was what pushed up the price. Though that applies to my circumstances and vehicle - would be interesting to know if others have tried this.

shaun_from_Africa

rs65 wrote: »

Aviva's approach

Protected no claim discount
Your premium won’t increase as a direct result of your claim when you renew, if you make one claim.

If one claim was guaranteed not to result in a premium increase then there would be no need for them to have the bit in bold.

Even though the premium may not rise as a direct result of a claim, it may still rise indirectly if Aviva now consider that you are more of a risk.

IamNotAllowedToUseMyName

rs65 wrote: »

First one I looked at was DirectLine

You will cease to be eligible for the benefit if claims exceed the above number. However your premium may still increase following a claim.

Look again. Read the policy document, no mention of increased base premium following a claim. That wording is specific to the optional extra PNCD - and is in small text and ambiguously worded - the however seems to relate it to the caveat of multiple claims.

Show me where a policy clearly states as part of an explanation of how no claims discount works that there are two elements to a premium, a base premium that varies based on driving record and another element that awards a level of discount to that premium based on a claims record.

My point is that it is not necessarily unreasonable but it is never explicitly stated as to how this works.

I think people will understand in the context of an accident under another insurance policy - e.g. driving partner's car affecting your driving record so an adjustment based on events external to the policy is understandable, but most people conceive of the NCD being the premium adjustment for driving your own car.

I think it is a historical thing. Back in the day I don't think pricing was as sophisticated. With the evolution of statistical analysis more is taken into account and the assumptions behind policy pricing have changed.

Tell you what. I'll write the insurance ombudsman and ask him what he thinks and let you know.

IamNotAllowedToUseMyName

shaun_from_Africa wrote: »

If one claim was guaranteed not to result in a premium increase then there would be no need for them to have the bit in bold.

Even though the premium may not rise as a direct result of a claim, it may still rise indirectly if Aviva now consider that you are more of a risk.

That would be an unreasonable interpretation. I think what they are getting at is that the premium can increase because of other things- fundamental premium increases, tax hikes, changes requested to the policy such as moving house (though if you needed to move house as a result of driving into it you might have an argument!)