Yes, I made a mistake but I also have an insurance question
Discussion
Someone drove into my car causing £2000 of damage.
I've called my insurer and it appears my NCD isn't protected. I usually do this as a matter of course but must have missed it this time. I will double check all the paperwork but I did this over the phone and don't have the docs with me.
My insurer, highly ranked in the navy, only recognise 5 years no claims even though they can see I have 15.
Because of the claim my NCD with them gets knocked down to 3 years. They I'll only give me proof of 3 when I change insurers.
So I've effectively gone from 15 to 3 yrs.
Will this actually make much financial difference?
I've called my insurer and it appears my NCD isn't protected. I usually do this as a matter of course but must have missed it this time. I will double check all the paperwork but I did this over the phone and don't have the docs with me.
My insurer, highly ranked in the navy, only recognise 5 years no claims even though they can see I have 15.
Because of the claim my NCD with them gets knocked down to 3 years. They I'll only give me proof of 3 when I change insurers.
So I've effectively gone from 15 to 3 yrs.
Will this actually make much financial difference?
I think it might depend on the company you try to insure with.
I had a similar issue where an old insurer only recorded up to 5 years no claims. When I rang round for quotes some companies just told me they would only accept the 5 but some (eg admiral who I went with in the end) were happy to give me their max (I think it might be 13???) based on the evidence that I had been driving for 20 years and only had one no fault claim in that time.
I think there might have been some caveat that a claim in the 1st year would knock it down to 5 despite paying for NCD protection. Or something like that.
I also found that the no fault claim made no difference to the premium anyway.
I got the impression they were more interested in claim history than what the previous insurer had recorded as ncd.
This is not necessarily an advert for Admiral (although I have found them good) but hopefully gives you an idea that all is not lost...
I had a similar issue where an old insurer only recorded up to 5 years no claims. When I rang round for quotes some companies just told me they would only accept the 5 but some (eg admiral who I went with in the end) were happy to give me their max (I think it might be 13???) based on the evidence that I had been driving for 20 years and only had one no fault claim in that time.
I think there might have been some caveat that a claim in the 1st year would knock it down to 5 despite paying for NCD protection. Or something like that.
I also found that the no fault claim made no difference to the premium anyway.
I got the impression they were more interested in claim history than what the previous insurer had recorded as ncd.
This is not necessarily an advert for Admiral (although I have found them good) but hopefully gives you an idea that all is not lost...
DS197 said:
In my opinion protected ncd is useless anyway as you still have to declare that you've had an accident or made a claim.
Different insurers have different set ups but Admiral allow two claims within 3 years without it affecting your NCB.(not that it matters in this instance, sadly)
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