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What happens to protected No Claims Bonus after an accident
jpplimsoll
Posts: 1 Newbie
I have a 9+ years NCB which I chose to protect on my current car insurance with AA. The renewal is coming up and I'm wondering whether I still say I have a NCB on the renewal forms? What does the 'protected' status actually mean? The accident I had didn't involve any other motorists, but it is down as 'my fault' for that reason. Interested to hear people's thoughts and experiences with this.
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Comments
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You state if you want it protected or not and pay the extra premium if you do. NCDP generally allows you to have up to 2 fault accidents in 3 policy years but no more than 1 in one year... ie if you have another fault claim in the next 2 years you'll retain your 9+ years if you keep the NCDP going... if you have two fault accidents then the second will cause a loss of NCD.
Remember that NCD is simply a discount (and most people have maximum discount) and whilst you'll still get your 70-75% discount the base premium can continue to rise due to the claims even with NCDP0
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