Car insurance after motability insurance claim - no claims or not?

cantcope · 7 June 2017 at 2:25PM

I'm due to give a motability car back in august after having it for a year so will need to get car and insurance.
before i got the motability car i had 10 years no claims (protected) but this didnt count with motability and im not sure how the insurance worked.

As my luck is bad its no surprise i had an accident last month a week before i was told i had to return the car and a claim has now been made.

My question is, when i get an insurance quote what now happens with the protected no claims i had? are they now wrecked because i had to claim on the motabiliity insurance?

Quentin · 7 June 2017 at 2:47PM

Your NCD protection won't apply. (Worth seeing if the insurer you were with is keen to have you back and will offer you a deal)

If this fails explainin your circs to a local broker (not Swinton) and see if they can get you an introductory discount to reflect your driving history, (though the claim won't help!)

cantcope · 8 June 2017 at 12:08PM

thank you. i will give my old insurer a call like you suggest.

teddysmum · 8 June 2017 at 5:55PM

Quentin wrote: »

If this fails explainin your circs to a local broker (not Swinton) and see if they can get you an introductory discount to reflect your driving history, (though the claim won't help!)

When insurance legislation changed, quite some years ago, I needed a separate policy, having been on my husband's and a broker got me a special offer which was the equivalent of a few years no claims , as I had driven, claim free , on my husband's policy for years. (It won't be as easy with a claim ongoing , especially if you are to blame, though.)

cantcope · 11 June 2017 at 1:03PM

yes i was definitely to blame. went into the back of someone as i pulled out at roundabout. they had gone but stalled...

FutureGirl · 11 June 2017 at 3:44PM

You only mad notability for 1 year?

The NCD you had prior to that should still be valid, as usually valid for 2 years BUT you will lose some due to the accident. If you had 5+ NCD it'll go down to 3, any less than 5 then you lose 2 years.

Car insurance after motability insurance claim - no claims or not?

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