Protected no claims confusion

quietheart

We had this cover for the first time this year. I had an accident...
Our renewal quote is the same but I fancy earning some quidco cash.
Now I'm confused as to whether I put yes to have I made a claim or no as my discount was protected?
Bit worried that I'm gonna commit fraud without realising it, can anyone shed some light on this for me?

Labman_2

rovers wrote: »

We had this cover for the first time this year. I had an accident...
Our renewal quote is the same but I fancy earning some quidco cash.
Now I'm confused as to whether I put yes to have I made a claim or no as my discount was protected?
Bit worried that I'm gonna commit fraud without realising it, can anyone shed some light on this for me?

You have to answer yes as you did make a claim.

quietheart

I know i sound stupid here but whats the point of protecting it if it stops you shopping around. The new insurer will see me as having no no-claims discount....

lisyloo

I know i sound stupid here but whats the point of protecting it if it stops you shopping around.

The point (from your existing insurers point of view) is to make you stay with them.

ShowmetheMoney

Having protected no claims discount allows you to make a certain amount of claims within a certain time period, without it affecting your no claims discount. You will need to check what your current insurers terms are regarding this (e.g. it might be 2 claims in a 3 year period). Also ask them what your no claim discount is or alternatively check your renewal notice).
When obtaining alternative quotes, declare your claim, put in how much no claims discount (using the info given from your current insurer) and choose the option to protect your discount. You would also need to check the terms for protected no claims discount with the new insurer as it may differ to your current insurer. If new insurer allows the protection, the claim you have already made will still count against you as one of the claims in so many years. Hope this makes sense...