I was messing about on the Tesco website and put in a Quote for a WR1. When I unticked the protected NCD box the premium went down by £140!

If you don't have this and have to make a claim I would imagine your premium would increase by a similar amount anyway? As I presume if you had say 10 years NCD and make a claim you do not lose all 10 years do you?

Just seems like daylight robbery to me.

Damian.

 

unfortunatly yes,,,

if you have a claim with unprotected bonus

it all dissapears


mart

 

Well my sister had a claim not so long ago and she only lost 2 years ncd

 

RRB

yes same with me lost 2 years

However my renewal from 750ish went up to 1300

got a quote and went with L & V just over 700 squids

the best was still to come...............reading the policy i discovered that it INCLUDED NCD protection

Steve

 

LOL how many poeple with decades of NCB still protect it?

If you go with the odds - the money you save by not protecting usually outweighs the 2 years NCB knockback you get if you do claim.

I think its a swizz - some company policys are to not offer NCB protection until its 60% or whatever - ever thought why? LOL

 

I agree with Jay m A on this. It all seems like a money making exercise to me.

 

Most you will lose is 2 years if you make a claim. It usually costs 10% of the premium to protect your NCD, more if your a young driver.

simb

 

Insurance is a money making exercise, thats why when u get a quote they think of a figure and double it

 

i wish i could have protected mine . Just lost all 2yrs of it

 

This is wrong - you get a two year step back for a claim and in the event of a total loss you may lose a bit more.

 

Still wrong - You will only lose 2 years of the individual insurance companies max NCD.

simb

 

so you lose 2 years from the ins. cos MAX NCD? So if I have 7 years NCD, the company only accepts up to 5, and I have a claim, what do I end up with?

Do I have 5 still (7-2), or 3 (5-2)? How does that get affected if you want to move to another insurer?

 

You will go down to 3 years, this may not apply to all insurance companies and is best to check with you own.

simb