Advertisement
If you have a new account but are having problems posting or verifying your account, please email us on hello@boards.ie for help. Thanks :)
Hello all! Please ensure that you are posting a new thread or question in the appropriate forum. The Feedback forum is overwhelmed with questions that are having to be moved elsewhere. If you need help to verify your account contact hello@boards.ie
Please note that it is not permitted to have referral links posted in your signature. Keep these links contained in the appropriate forum. Thank you.

https://www.boards.ie/discussion/2055940817/signature-rules
Hi there,
There is an issue with role permissions that is being worked on at the moment.
If you are having trouble with access or permissions on regional forums please post here to get access: https://www.boards.ie/discussion/2058365403/you-do-not-have-permission-for-that#latest

question about the "no claim bonus"

  • 20-06-2012 2:35pm
    #1
    ahmed89
    Registered Users, Registered Users 2 Posts: 92 ✭✭


    Hi everyone,

    just have a question about the no claims bonus, i had an accident 3 years ago and the insurance company paid for the other damaged car, and i fixed my car and sold it(only the bumper was damaged on my car so it didn't cost much to fix it), i have been insured on my parents car for the last year, and i want to buy my own car now, my question is: am i entitled for a 1 year no claims bonus or do i have to pay for the accident i had 3 years ago in order to be able to get my no claims bonus for the year,

    thanks in advance for your help :)


Comments

  • #2
    Anan1
    Registered Users, Registered Users 2 Posts: 22,815 ✭✭✭✭Anan1


    I presume you lost your bonus when you had the accident three years ago. Have you built up any NCB by being insured in your own name since?


  • #3
    ahmed89
    Registered Users, Registered Users 2 Posts: 92 ✭✭ahmed89


    Anan1 wrote: »
    I presume you lost your bonus when you had the accident three years ago. Have you built up any NCB by being insured in your own name since?


    I was insured as a second driver on my parents car for 1 year and i did not make any claims,the only claim i made was 3 years ago when i had the accident


  • #4
    Frere_Jaques
    Registered Users, Registered Users 2 Posts: 18 ✭Frere_Jaques


    Some insurers take "Named Driver Experience" towards an NCB of sorts so depending on who you go with you should be entitled to a years named experience. Your 3 years NCB will be lost unless you've built any up on a policy of your own since.


  • #5
    John37
    Site Banned Posts: 161 ✭✭John37


    Just a quick question about the no claims bonus. Say you were at fault in an accident and your insurance co payed out thus you lost your no claims bonus if you decide not to renew your insurance when the time comes and cope without a car for a couple of years will this period count towards building back up your ncb or would you have to had owned or been insured on a car to build up the ncb during this 2 year period


  • #6
    coylemj
    Registered Users, Registered Users 2 Posts: 25,624 ✭✭✭✭coylemj


    John37 wrote: »
    Just a quick question about the no claims bonus. Say you were at fault in an accident and your insurance co payed out thus you lost your no claims bonus if you decide not to renew your insurance when the time comes and cope without a car for a couple of years will this period count towards building back up your ncb or would you have to had owned or been insured on a car to build up the ncb during this 2 year period

    A no-claims bonus isn't like a criminal record, doing nothing doesn't get you brownie points! You have to have a policy in your name or (for some but not all companies) be a named driver on someone else's policy and have no claims in order to build up an NCB


  • Advertisement
Advertisement