How many years no claims bonus do I say to insurers now?

[ED209]

Been trying to get some new quotes today after a fault claim with esure in January this year (trampoline blew from my garden into my car), all are very high based on the 3 years no claims bonus esure now say I have.

Thing is before this claim in January I had 16 claim free years. An internet search suggests this should have only reduced by 2-3 years as a result of one claim not down to 3 like esure policy dictates.

I have proof of no claims showing 14 years in 2019 but the more recent ones only show 9 years due to the maximum accepted by my previous insurance companies. In effect I had 16 claim free years before this incident .I assume any company would be able to check and confirm via insurers databases that I made no claims in that period

So when I am getting quotes from different companies and comparison sites what no claims figure should I give?
Might it be worth visiting a broker who might be able to give a more personal quote based on my circumstances?

[ED209]

Thanks for the advice. Will just suck it up!

[ED209]

Ham_and_Jam said:

Just checked my eSure car insurance policy online.

15 years NCD as expected.



OP, did you tell eSure how many years NCD you had when you took out the policy, or was it auto applied?

I can’t remember to be honest.

[ED209]

QBee said:

I would discuss the nature of the claim with the insurers on the phone.
The likelihood of you having a second claim in short order is far lower than, say, someone who has crashed his car into another car, as you weren't driving the trampoline at the time of the accident.

I had a complete write off of a £4,500 car about 12 years ago. The insurers paid out in full, and my premium didn't increase one penny on renewal. The reason was I didn't crash into anyone, I slid into a deep ditch avoiding a 60 mph x 2 head on collision with an oblivious texter coming the other way. My car rolled gently onto its roof in the ditch, but was otherwise fine, until the recovery buffoon decided that it was a smart move to pull the car out of the ditch end over end.

I do wonder if your renewal premium would be lower if you explained the full facts of the claim to a real person, and nicely told them you would have to look elsewhere if they couldn't reduce it.

Tried this yesterday, esure said that because I have had a claim in the last 5 years then the price is fixed and they aren’t open to the usual haggling, company policy apparently.

It’s still the cheapest quote I have managed to find though and I was generally happy with how they handled the accident which was far better than how Tesco handled the damage to our van (on wife’s insurance) from the same incident.

It was an expensive day!
£150 to replace a few slates on the roof at mates rates
£100 trampoline put in the bin
£500 excess on the van insurance
£200 excess on the car insurance
£170 increase on my own insurance policy
Unknown increase on my wife’s van policy that is due next month. The one good point with her though is that she didn’t have any no claims on the van as it was on her car policy, she now doesn’t have a car so she can use the NCB on the van this time round. Premium will go up though as it was cheap last year.

Edited by ED209 on Tuesday 28th June 08:33