NCD question in Car insurance

m18688922923

Each year I changed the car insurance provider to the new provider and the ncd certificate from the each provider only shown 1 year discount (my car insurance started from 2022) and how to show the total years in the new ncd certificate?

DullGreyGuy

They will be taking what you've told them when doing the quote and progressing it by 1 if you made no claims. Sounds like you haven't been declaring your NCDs correctly when getting quotes.

400ixl

When getting your quotes each year have you been filling in the question about accrued NCD correctly?

Provided you haven't had any claims or accidents to declare. At the end of the first year you should have had a renewal quote which said you had 1 years NCD. Did you answer the NCD question when getting your new quotes by answering 1 year. Then the next year the renewal would have said 2 years and that is what you enter to the NCD question when getting quotes for that year and so on.

Sounds like you have not been doing that, or you haven't had full years of cover.

For example you had a partial year as a learner and then swapped to a different insurer when you passed (no NCD accrued), and you are now at the end of that full year.

Sounds more like the former though, but need more details to know.

daemonharper

Hiya, I'm newbie with another NCD insurance question please.

We have 3 vehicles, the dog car, my wife's commuting car and a camper.
All are in my wife's name.... because she bought them! - I'm a house husband with zero income, all with her as the insured and me as a named driver.

We have 20+ years no claims on the commuter car. 2 years no claims on the camper (we bought it 2 years ago).
And there were 15 + years no claims on the dog car until last year, when I glacially slowly dinged another car whilst reversing out of a parking space.

My question, is my wife and the other policies affected by the claim against me and the dog car policy?
For example - do all three policies, because they're my wife's policies - now have zero no claims?

Thanks in advance 

Daemo

DullGreyGuy

The NCD of the other two vehicles are unaffected. The vehicle in which the accident was had will be reduced, typically to 3 years if a claim is made and no NCD protection is in place but it can vary by insurer. 

As you are a named driver on all three then the incident needs to be added to your driving history on the other two policies which may result in an increase in premiums even though the NCD wasnt impacted 

Nikoloas1

Hi, I’m new to this forum so apologies if I’m wrong section. My son had a car accident several months ago (his fault and no other car involved) which hasn’t been settled yet due to back log with garage. In the meantime he has had a 2nd ‘mishap’ (his own fault again and no other vehicle involved) and damaged the whole side of his car. My question is will the insurance company still go ahead and pay for the repairs on the first claim or will they now factor in the 2nd claim before deciding on what action to take?
Any advice would be much appreciated 

cw8825

Nikoloas1 said:

Hi, I’m new to this forum so apologies if I’m wrong section. My son had a car accident several months ago (his fault and no other car involved) which hasn’t been settled yet due to back log with garage. In the meantime he has had a 2nd ‘mishap’ (his own fault again and no other vehicle involved) and damaged the whole side of his car. My question is will the insurance company still go ahead and pay for the repairs on the first claim or will they now factor in the 2nd claim before deciding on what action to take?
Any advice would be much appreciated 

You should really start a new thread.

it depends on the extent of the damage. If the 2nd accident has caused it to be a write off that’s what they will do. 

If both parts are reparable. It would be 2 claims so 2 excesses

if the second damage alone is enough to right it off then.  Only the 2nd claim is dealt with and the first is for notification purposes