Protected NCD

S

srhutch

Legend
 East Sussex, UK
Hopefully a simple question, but I bet I will get all sorts of answers :evil:

About to renew wife's car insurance and they have stated 5 years NCD. Now back in 2009 it was 6 years and it's been protected all the way through so in my mind it should be 9 years now even though she made two claims in 09 and 11.

Now I'm aware some companies only offer 5 years hence why I believe her current insurance company are stating that. But put 5 years in on a comparrison site and the quotes are higher than if you put 9 years in.

It's my belief that as long as I have a paper trail with all the NCD's listed I can quote 9 years.

What do you all say? :popcorn:
 
I've always protected my no claims, but to be honest I've always been slightly dubious as to it's value. The thing for me is that regardless of the length of your no claims, you'd still have to answer affirmatively when asked if you've had any claims in the last five years (presuming you had had a claim of course) - thus making your no claims discount redundant.

Sorry, realise this doesn't answer your question at all! :(
 
It's value depends how much extra your having to pay. TBH the insurance for her is under £250 with either 5 or 9 years but if I can get the same policy cheaper then that's what I want to do.
 
talk to your insurers and find out what the score is.

you can't quote nine years as they will ask for proof from your previous insurers.
 
Which comparison sites have you tried? Gocompare was useless for me, but compare the market gave some good results.

Unfortunately I then had to phone each of the cheapest and list my mods, Priviledge added £50 a year for my black-wrapped roof! And that's on top of a policy that was only £314 !!!
 
srhutch said:
Now back in 2009 it was 6 years and it's been protected all the way through so in my mind it should be 9 years now even though she made two claims in 09 and 11.
Click to expand...

So she had 6 in 09 and claimed. I'd expect it to stop at 6. If you claimed in that year it might actually hold at 5. That would last until 10 and you claimed again in 11. You wouldn't lose your bonus, but I doubt you'd add to it.

But the best advice was in the last post, call your insurer and ask them...
 
Both confused.com and comparethemarket.com

will try a few others. For the ///M I'm looking at £370ish again this year with admiral looking best option.
 
With an accident in '09 and '11, I say that you keep your wife off the road in '13 :rofl:
 
I had 9 years no claims and had an accident in dec 07, made a claim and it put me down to 3 because they only register 5 on they systems. What made it worst was I stuck with them because they were the cheapest at the time and made two windscreen claims one in the hire care whilst mine was being repaired and one in mine so I never gained any more NCB over the next two years so come renewal I could still only produce 3 NCB come my renewal.

You not sticking with classic line for your M?
 
Stuart Truman said:
srhutch said:
Now back in 2009 it was 6 years and it's been protected all the way through so in my mind it should be 9 years now even though she made two claims in 09 and 11.
Click to expand...

So she had 6 in 09 and claimed. I'd expect it to stop at 6. If you claimed in that year it might actually hold at 5. That would last until 10 and you claimed again in 11. You wouldn't lose your bonus, but I doubt you'd add to it.

But the best advice was in the last post, call your insurer and ask them...
Click to expand...

The 6 yrs in 09 was after the accident so allowing for the second accident no increasing would take it to 8. (2010 = 7, 2011 = 7 due to accident, 2012 = 8)

I suppose the question I'm really asking is this:

When your renewal drops through the door and it says you have 5 years NCD (as this is the maximum some Insurance companies offer), but you've not had an accident for 10 years and have all the renewal to prove what do you put in when your asking for a quote?
 
pvr said:
With an accident in '09 and '11, I say that you keep your wife off the road in '13 :rofl:
Click to expand...

Cray thing is by adding her to the quotes for the ///M it still reduces the cover listing the two accidents. Yet I've not made a claim for over 12 years.
 
Just gone through it again

The following are at renewal time September of Each Year

2008 Esure 6 years
2009 Esure 6 years 1 Accident in year
2010 Esure 7 years
2011 Aviva 5 Years 1 Accident in year
2012 Aviva 5 Years

So it appears Aviva only allow for 5 years and Esure 7 (at least).

I'm going to work off 8 years on comparison sites and then just double check with the chosen company, but it would help if they all worked off the same standard.
 
I had the same issue with them using different maximums, had to get in touch with them separately and obtain letter stating no claim or no loss of NCB. this allows you to total up to present to the new insurer.


Tapatalking on my iPad.......
 
VvrooomM said:
I had the same issue with them using different maximums, had to get in touch with them separately and obtain letter stating no claim or no loss of NCB. this allows you to total up to present to the new insurer.


Tapatalking on my iPad.......
Click to expand...

That's what I thought. I'll just use the renewals over the last five years as my evidence.
 
srhutch said:
Hopefully a simple question, but I bet I will get all sorts of answers :evil:

About to renew wife's car insurance and they have stated 5 years NCD. Now back in 2009 it was 6 years and it's been protected all the way through so in my mind it should be 9 years now even though she made two claims in 09 and 11.

Now I'm aware some companies only offer 5 years hence why I believe her current insurance company are stating that. But put 5 years in on a comparrison site and the quotes are higher than if you put 9 years in.

It's my belief that as long as I have a paper trail with all the NCD's listed I can quote 9 years.

What do you all say? :popcorn:
Click to expand...
I agree Steve. I have used paper trail before with Diamond. Co-Op also accept paper trail.

The connundrum with ins. Companies awarding different limits of NCD can put one at disadvantage come renewal time. I suggest everyone keep a copy of all documentation, printed out.
 
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