Insurance renewal after a Claim

Wesker

I've been driving for 20+ years and never had an accident until a few months ago when i got too close to a bollard and scraped the side of my car
Anyway the damage wasnt too bad and at first i thought i would pay for the repair myself to save my No claims discount but after getting a couple of quotes i found out it was gonna cost £1000+
So i thought i may as well use my insurance as thats what i pay it for and the excess is only £200. I rang up to ask their advice about my no claims and they said i would only lose 10% (the max you can have is 65%?) so i went ahead with it and everything was sorted.
The question i now have is that when i go to renew my insurance, not due until September, i usually search for the best deal and go through Quidco or similar, but when looking for quotes they ask for how many years no claims ie: 1yr, 2yrs etc usually up to 9yrs+ but not %. So what would i put?
I'm guessing if i stay with my current insurer they are bound to put my premium up a lot :rolleyes:

Steve1981

that is up to your insurer who many years they give you, it sounds as though you didnt protect your bonus, so it is likely you will be on 3 years (most companies work on the basis that any ncd above 5 is still the maximum and that you lose 2 years for a fault claim - this isnt the same for all insurers though so you will need to check) - be aware that whilst you will lose a certain ammount of ncd you will also get a loading for making the claim on your renewal also.

Personally as its not due til september I would not worry about it at the minute, you have paid your premium for this year and its a way off til the renewal

MarkyMarkD

When you get your renewal quote it will say something like "55% (representing x years)" so then you'll know what to quote on your other input forms.