My missus and I both pay extra on our insurance policies for "no claims protection". When I last checked its about £60-£70 extra with this added to the policy. We both have our own cars and our own comprehensive cover and have each other as additional drivers on our policies.
Last July she had a minor bump in her little Mini, totally her fault and her insurance paid out to the tune of £1200. When her renewal came it had gone up by £100. She phoned them to ask why - you guessed it "because of the accident" they informed her.
Fast forward to yesterday, I go online to get a renewal quote, put all ourdetails in blah blah blah and get a quote I'm quite happy with. THEN remember about the bump she had, and being the honest upright law abiding citizen that I am I edited her details to include this and requoted. Guess what? Premium goes up £100.
Pardon my French but WTF is going on here? I thought we both paid for protected no claims? Incidentally, her bump is the only one either of us has had in the last 6 years. Oh, and the reason I'm shopping around this year? My current insurer thinks it's "very competitive" to increase my premium from £260 last year on a 325 coupe to £700 this year on a Z4 3.0 coupe. I'm 40yrs old, no convictions, no endorsements, +6 years No Claims
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