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Thread: Protected no claims

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    Default Protected no claims

    Just paid my car insurance £450, they dropped the price by £20 cos I rang and moaned at the price of the increase from last year. I've got 30 days to de IDE if I want to pay to protect my no claims discount of which I have 9 years. Which is another £63 is it worth it??

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    Regular Member simmo3187's Avatar
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    Vehicle : Vectra

    Trim : Elite

    Engine : 3.0 V6 CDTI

    Year : 2006

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    All I can say is....

    SODS LAW!!

    Hopefully nothing will happen but I would protect them

  3. #3
    Regular Member Ben50n's Avatar
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    I have had protcted NCB for a few years, luckily so far I havent had to test if protected does actually mean protected when you come to renew with a different company?

    Afterall you would have still made a claim and that is all they ask, suppose it is then you have to prove you still have full NCB??

    Anyone had any experience of claiming with protected NCB??

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    Quote Originally Posted by Ben50n View Post
    I have had protcted NCB for a few years, luckily so far I havent had to test if protected does actually mean protected when you come to renew with a different company?

    Afterall you would have still made a claim and that is all they ask, suppose it is then you have to prove you still have full NCB??

    Anyone had any experience of claiming with protected NCB??
    Good point this. Hopefully somebody can answer it

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    Regular Member Grumpy1954's Avatar
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    Vehicle : Ford Kuga

    Trim : Titanium

    Engine : 2.0dtci

    Year : 2014

    Mileage : 1200

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    I would. I hit oil on a roundabout a few years back and skidded into the crash barrier, had 7+ NCB but not protected. Insurers decided it was an "at fault" accident and dropped me down to 2 yrs NCB, still recovering.

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    Regular Member Ben50n's Avatar
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    You normally lose 2 years NCB for an accident, so that company must have only considered there to be a max of 4 years NCB??

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    i have always had protected no claims and about 8 years ago i was driving to work with with a 9 year no claims discount fully protected and a truck stopped at an island i stopped behind him , he pulled off and so did i , then he stopped again and i bounced off his back tyre and smashed my wing headlight and bumper , no damage to truck , he got out looked and asked if i was ok and then drove off , so i could not afford to fix the car so i claimed and got it done , they put it down as my fault .. when i got my renewal about 6 months later it had actually gone down a bit but a year later and i moved companies and was asked any accidents in last 3 years , so i told then what happened and the price seemed unaffected BUT when i got my document they had dropped me down to 6 years no claims from the 10 i should of had , but price of insurance never really changed at all . so i think all said it was probably worth having , so i always get it now

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    Regular Member mcpitman's Avatar
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    Vehicle : Vectra C

    Trim : Club

    Engine : 1.9 CDTi

    Year : 2004

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    I have had experience of a fault claim agai st me with 15years NCB. Came to renewal time and was told i still had 15 years NCB. At direct line they do not reduce your ncb, but you do fail to gain any further ncb if you claimed in the previous year.

    Made sense to me, quite a good experience, based on that I think £63 is a pretty good deal really.

    Or to put it another way.... if you have an accident this year and do not protect, how much would your policy increase by next year?

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    Quote Originally Posted by mcpitman View Post
    I have had experience of a fault claim agai st me with 15years NCB. Came to renewal time and was told i still had 15 years NCB. At direct line they do not reduce your ncb, but you do fail to gain any further ncb if you claimed in the previous year.

    Made sense to me, quite a good experience, based on that I think £63 is a pretty good deal really.

    Or to put it another way.... if you have an accident this year and do not protect, how much would your policy increase by next year?
    this is a good point, think i will male the call this friday (payday) and protect them, cheers guys

  10. #10
    Regular Member John Bishop's Avatar
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    Always protect mine. Had an at fault just under 5 years ago. Did not affect mine.

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