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No Claims Bonus - Advice Please

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  • 10-07-2012 3:42pm
    #1
    travellingbid
    Registered Users Posts: 229 ✭✭


    Not sure if this is the right place or not but I need some advice.
    I currently have 10 years no claims bonus which it's cost a hell of alot to protect over the years. My currently policy is up and they letter they sent says that I've only 7 years no claims bonus. I've asked for it to be revised as if I do have an accident I'll be pushed back to 6 year bonus as opposed to 9. They're refusing because their system won't let it generate a letter for anything above 7 years.
    Am I being unreasonable asking for corrected details or should I keep on to them about it??
    Thanks in advance. TB


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    #2
    challengemaster
    Registered Users Posts: 16,931 ✭✭✭✭challengemaster


    Most places won't count anything over 6/7 anyway, so if you had 20 years it'd be the same as having 7.

    Going by that I'd also assume that once you've reached the maximum no claims benefit, if you do have a claim step back would go one year under the max, not one year under what you had, as otherwise you've just maintained full discount yet had an accident.


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    #3
    Anan1
    Registered Users Posts: 22,818 ✭✭✭✭Anan1


    Most insurance companies don't count anything over 5 years. No matter how many years NCB you have, one accident will leave you with zero years claim-free. Any step-back discount you get afterwards will be down to the t&cs of the particular policy you hold.


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