ESure No Claims Discount rip off!!

Sazzy50

My partner had a fault claim back in December 2022 driving the car as a named driver.  The accident was his fault and my car was written off as well as damage done to another vehicle.  I discussed with ESure at the time how this would affect the insurance and was told that the claim would go against my partner, but that as I was the policy holder, it would be my NCD that would be affected.  I asked them to confirm how many years I would lose and was told 3 years.  No problem as I had 25 years NCD or in their terms 20 years.  My renewal has just come through and has more than trebled in price and they have removed 17 years no claims from me.  Surely this can't be correct as even the Financial Ombudsman states you would lose either 2 or 3 years from your NCD after a claim....not 17 years.
Has anyone else had a similar issue?

Nasqueron

How many years do they actually look at for NCD in the Ts & Cs? It's not uncommon for 9/10 years to be an absolute maximum for discount purposes even if they do record you have more 

Barkin

Is it not laid out in the policy schedule?

lemondrops69

From compare the meerat, some companies have a max NCD of 5 years

What happens to my no claims discount if I make a claim?

If you make one claim on your insurance and your insurance provider pays out, your no claims discount is typically reduced by two or three years. It could be further reduced if you make two or more claims.

So, if you have eight years of NCD and make a claim, in theory you’ll be left with five or six years. But this isn’t always the case. If your insurance provider considers the industry standard of five years to be the maximum NCD, you’ll be left with three years’ NCD.

If you make a second claim, you’ll lose it all. Most insurance providers will explain what happens to no claims discount in their policy booklet, so you can check before you buy.

DullGreyGuy

Most insurers operate in this way... a fault claim reduces your NCD by 2 but leaves you with a maximum of 3 years.

Insurers tend to be much less open about what percentage discount an NCD equates to these days but historically most insurers maxed out at 60-70% discount at 5 years. Then a few insurers decided it would be good for marketing if they said they recognise up to 9 years NCD however, they didn't give a bigger percentage discount just it took you more time to get there... typically rather than year 5 being an extra 10% discount years 5-9 represented 10% discount, ie 2% per year. 

Your policy book should state how your NCD functions and the impact of having a claim.