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  • FIRST POST
    • Stoke
    • By Stoke 9th Aug 18, 10:11 AM
    • 2,977Posts
    • 3,139Thanks
    Stoke
    Protected NCD - Accident
    • #1
    • 9th Aug 18, 10:11 AM
    Protected NCD - Accident 9th Aug 18 at 10:11 AM
    If you have protected NCD and then are involved in an accident, do you lose that years NCD or do you still gain another year?
Page 1
    • Quentin
    • By Quentin 9th Aug 18, 10:14 AM
    • 37,988 Posts
    • 22,099 Thanks
    Quentin
    • #2
    • 9th Aug 18, 10:14 AM
    • #2
    • 9th Aug 18, 10:14 AM
    You don't get any awarded for the year. (Assuming it's a fault claim)


    The NCD you had at the start of the year is the protected amount
    • neilmcl
    • By neilmcl 9th Aug 18, 10:18 AM
    • 12,149 Posts
    • 8,924 Thanks
    neilmcl
    • #3
    • 9th Aug 18, 10:18 AM
    • #3
    • 9th Aug 18, 10:18 AM
    If you have protected NCD and then are involved in an accident, do you lose that years NCD or do you still gain another year?
    Originally posted by Stoke
    As above, it's not a case of losing that year you merely don't "earn" the additional year because you haven't been claim free during that period.
    • Stoke
    • By Stoke 9th Aug 18, 10:21 AM
    • 2,977 Posts
    • 3,139 Thanks
    Stoke
    • #4
    • 9th Aug 18, 10:21 AM
    • #4
    • 9th Aug 18, 10:21 AM
    Perfect. thank you
    • AndyMc.....
    • By AndyMc..... 9th Aug 18, 12:10 PM
    • 2,569 Posts
    • 1,585 Thanks
    AndyMc.....
    • #5
    • 9th Aug 18, 12:10 PM
    • #5
    • 9th Aug 18, 12:10 PM
    Can you protect your no claims if you haven!!!8217;t attained the maximum?
    Hi there! We’ve had to remove your signature. Please check the Forum Rules if you’re unsure why it’s been removed and, if still unsure, email forumteam@moneysavingexpert.com
    • Stoke
    • By Stoke 9th Aug 18, 12:29 PM
    • 2,977 Posts
    • 3,139 Thanks
    Stoke
    • #6
    • 9th Aug 18, 12:29 PM
    • #6
    • 9th Aug 18, 12:29 PM
    Can you protect your no claims if you haven!!!8217;t attained the maximum?
    Originally posted by AndyMc.....
    You can start protecting (with some companies) after 3. I started protecting last year, after 4. Had a small 50/50 accident in January, just needed to know for my renewal.
    • forgotmyname
    • By forgotmyname 9th Aug 18, 4:16 PM
    • 28,173 Posts
    • 11,453 Thanks
    forgotmyname
    • #7
    • 9th Aug 18, 4:16 PM
    • #7
    • 9th Aug 18, 4:16 PM
    You still have the same amount of no claims as last year, but the premium is likely to rise.

    You get get xx% off your insurance, but instead of being rated at £500 your now rated at £1000.

    Or you maybe lucky and find its actually cheaper now you have had a claim. You never know with insurance.
    Punctuation, Spelling and Grammar will be used sparingly. Due to rising costs of inflation.

    My contribution to MSE. Other contributions will only be used if they cost me nothing.

    Due to me being a tight git.
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