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No claims discount
cherryade44
Posts: 104 Forumite
Hello , I had a car accident recently to which i have admitted responsibility. The other party involved has made a claim for damage. I got my insurance renewal today and the price has increased nearly 50%.
I have been on a comparison site to see if I can get a better price. When it says how many years NCD do I have what do I put. I did not make a claim on my car , does the claim against me count ? My current NCD is protected
Also when I said I had an accident and a claim was made against me, it asks what the amount came to for the repair, I have no idea what the cost was.
As my current insurer knows al the details I am tempted to auto renew,
Can anyone advise please about the comparison site details many thanks
I have been on a comparison site to see if I can get a better price. When it says how many years NCD do I have what do I put. I did not make a claim on my car , does the claim against me count ? My current NCD is protected
Also when I said I had an accident and a claim was made against me, it asks what the amount came to for the repair, I have no idea what the cost was.
As my current insurer knows al the details I am tempted to auto renew,
Can anyone advise please about the comparison site details many thanks
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Comments
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Your insurance renewal will tell you how much NCD you have, likely what you had last year if you've only had the one claim (a claim against you is indeed a claim) and your NCD is protected.
If the amount field for the third party claim accepts non-numeric put 'N/K'. Otherwise I'd put £1 to show I had no idea. Your insurers may not even know if the TP's own insurers dealt with it on a reciprocal 'knock-for-knock' basis. Are you sure the question is not what were your repair costs? (i.e. nil).2 -
@mebu60 thanks for replying, appreciated On my renewal it says my NCD is 9+ years. I understand my NCD is protected with my current insurer but does this stand with a new insurer ?
Regarding the accident I have attached 2 pics from the comparison site .
Sorry if this is confusing, my brain is beginning to melt
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Just put however many years the renewal states you have, assuming the renewal was produced after you had already registered the claim.cherryade44 said:@mebu60 thanks for replying. On my renewal it says my NCD is 9+ years. I understand my NCD is protected with my current insurer but does this stand with a new insurer ?
Regarding the accident I have attached 2 pics from the comparison site .
Sorry if this is confusing, my brain is beginning to melt

Your insurer will be able to tell you what their current estimate is, the form is slightly wrong as it should be Paid + Reserve rather than reserve alone on a non-settled claim.1 -
@MyRealNameToo thanks for the reply, appreciated0
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Yes, it does.cherryade44 said:@mebu60 thanks for replying, appreciated On my renewal it says my NCD is 9+ years. I understand my NCD is protected with my current insurer but does this stand with a new insurer ?1 -
thanks for thatmebu60 said:
Yes, it does.cherryade44 said:@mebu60 thanks for replying, appreciated On my renewal it says my NCD is 9+ years. I understand my NCD is protected with my current insurer but does this stand with a new insurer ?
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