Moz

I`ve had two accidents in the space of 18 months, although my no claims is protected, I understand that one more claim will reduce my no claims discount to 40%.I know I have to inform any new insurer of previous claims but
If I change insurers do I get my three lives back or does it mean three claims regardless of who they are with?
Sorry if it sounds a stupid question.

TonyBurns

iTrader: (3)

Hi Moz
having been (and still am until my insurance renewal next year) in the same situation as you, i also have protection on my insurance, you will loose out unless the insurance company is really nice!! so it looks like 40%ncb if you have another accident.... sorry....

[This message has been edited by TonyBurns (edited 30 September 2000).]

blubs

Moz,

Just spoken to my good lady who is good woth this sort of stuff and she states it is down to the new insurer.
Some will not honour a protected bonus if a claim has been entered with your current insurer, but then again some will.
She states it might be an idea to find a company that will honour it (even if they are not the cheapest), then ring around stating that you have had a quote from a company willing to honour it, in the hope the cheaper quoting companies will follow suit.
Does that make sense?

Hope this helps.

blubs

Moz

Thanks.Dreading the renewal date.

gregh

I have no idea if this is correct or not, but a guy in the office alternates insuring his car in his name for 2 years, then his wifes for 2 years, thus protecting any NCB, and having the other person as a named driver.

Maybe an idea!

Greg