Yes, I made a mistake but I also have an insurance question

Yes, I made a mistake but I also have an insurance question

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Discussion

Hackney

Original Poster:

6,810 posts

207 months

Saturday 13th February 2016
quotequote all
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?


DS197

992 posts

105 months

Saturday 13th February 2016
quotequote all
In my opinion protected ncd is useless anyway as you still have to declare that you've had an accident or made a claim.

PurpleMoonlight

22,362 posts

156 months

Saturday 13th February 2016
quotequote all
Surely when your insurer gets reimbursed from the third parties insurer your full NCD will be reinstated?

herewego

8,814 posts

212 months

Saturday 13th February 2016
quotequote all
Your NCD won't be affected if you're claiming from a 3rd party.

Beanie

199 posts

98 months

Saturday 13th February 2016
quotequote all
herewego said:
Your NCD won't be affected if you're claiming from a 3rd party.
I think he means it was a drive off and has to claim on his own insurance

brman

1,233 posts

108 months

Saturday 13th February 2016
quotequote all
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...

DrTre

12,955 posts

231 months

Saturday 13th February 2016
quotequote all
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)

vikingaero

10,256 posts

168 months

Saturday 13th February 2016
quotequote all
Decent Insurers will allow you to input the exact number of years of no-claims. Of course once you move to a scummier Insurer it can be all lost again.

Magic919

14,126 posts

200 months

Saturday 13th February 2016
quotequote all
Premium up by about 50%.

Hackney

Original Poster:

6,810 posts

207 months

Saturday 13th February 2016
quotequote all
Someone hit my car while it was parked and drove off. They didn't leave details.

TwigtheWonderkid

43,248 posts

149 months

Saturday 13th February 2016
quotequote all
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.
True, but if you have protected bonus, you'll get the full discount off any loaded premium, instead of a reduced discount off a loaded premium.

TwigtheWonderkid

43,248 posts

149 months

Saturday 13th February 2016
quotequote all
vikingaero said:
Decent Insurers will allow you to input the exact number of years of no-claims.
Yes, but still give a maximum of 65% discount whether you have 5 or 55 years.

Hackney

Original Poster:

6,810 posts

207 months

Saturday 13th February 2016
quotequote all
Someone hit my car while it was parked and drove off. They didn't leave details.