Fully Protected NoClaim Discount (NCD)

McSim

Time for renew car insurance for better half.
She has 5 no claim years at the moment and full license.
We are looking for full comprehensive with best possible protected NCD.
So far found the following:

Hibernian: 2 claims in 3 years allowed, unlimited claim(s) amount allowed, step back NCD if limit is exceeded - most expensive.
FBD: 2 claims in ??? years, ??? claim(s) amount allowed, UNKNOWN if step back NCD if limit is exceeded.
its4women.ie (pretty same as 30plus.ie for male drivers): 2 claims in 5 years allowed, unlimited claim(s) amount allowed (HAS TO BE CONFIRMED), UNKNOWN if step back NCD if limit is exceeded - cheapest.

It is looks like Hibernian offers the best conditions, but quote from its4women is much better.

Eny personal experiences in regard to how good is its4women in handling claims?

Does anybody had experience/more info with one of those in regard to fully protected NCD?

Any other company we missed which does fully protected NCD?

We aware of RoyalSun Alliance doing protected NCD, but T&C are cumbersome and it looks like amount allowed to claim without loosing NCD are quite low, looks not competitive comparing to unlimited with Hiberbian.

Thanks.

mickdw

As far as I know those protected no claims things are not as good as they sound. The claim is still registered against you and if you wished to change company later the claim is there. Its just that your company are agreeing not to rise your premium due to claim. So if you claim and your company decides to raise your premium due to inflation etc, you cannot really shop around.

Still worth having though.

Eoin

mickdw wrote: »

As far as I know those protected no claims things are not as good as they sound. The claim is still registered against you and if you wished to change company later the claim is there. Its just that your company are agreeing not to rise your premium due to claim. So if you claim and your company decides to raise your premium due to inflation etc, you cannot really shop around.

Still worth having though.

Well, I don't know if you can reasonably expect that any record at all of an accident to be unavailable to another company.

Spit62500

mickdw wrote: »

As far as I know those protected no claims things are not as good as they sound. The claim is still registered against you and if you wished to change company later the claim is there. Its just that your company are agreeing not to rise your premium due to claim. So if you claim and your company decides to raise your premium due to inflation etc, you cannot really shop around.

Still worth having though.

I think that they can still load your policy - its a protected NCB not a protected premium. The NCB is just a percentage discount on whatever premium they see fit to charge.

mickdw

Spit62500 wrote: »

I think that they can still load your policy - its a protected NCB not a protected premium. The NCB is just a percentage discount on whatever premium they see fit to charge.

Yes of course they can. I did make that point.

We are not answering the question asked though.

Barr

If they say theres no limit on the claims (2 years unlimited with hibernian)I'd doubt they would load the policy due to the same claim

Anan1

AFAIK, FBD are the only ones to offer true, full NCD protection ie no limit on the number of, or cost of, accidents.