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No claims bonus

  • 19-03-2015 6:10pm
    #1
    Conchurl
    Registered Users, Registered Users 2 Posts: 693 ✭✭✭


    How much of a no claims bonus do I have it says 3 years on the sheet but it also says 50% which is 5 years


Comments

  • #2
    slimjimmc
    Registered Users, Registered Users 2 Posts: 7,786 ✭✭✭slimjimmc


    It says 3 years on that policy. If you had 2 years claims free on a previous policy that would add up to a total 5 years without a claim which earns you the 50% NCD.


  • #3
    Conchurl
    Registered Users, Registered Users 2 Posts: 693 ✭✭✭Conchurl


    slimjimmc wrote: »
    It says 3 years on that policy. If you had 2 years claims free on a previous policy that would add up to a total 5 years without a claim which earns you the 50% NCD.

    Do I need to find the old ncb if I want to change insurance companies?


  • #4
    mgbgt1978
    Registered Users, Registered Users 2 Posts: 4,261 ✭✭✭mgbgt1978


    Usually not a problem The new insurer can see from this sheet that you have at least 5 years claims-free driving.
    However some Insurers may request more proof of your history....but it would be usual to accept what you have pictured.


  • #5
    Conchurl
    Registered Users, Registered Users 2 Posts: 693 ✭✭✭Conchurl


    mgbgt1978 wrote: »
    Usually not a problem The new insurer can see from this sheet that you have at least 5 years claims-free driving.
    However some Insurers may request more proof of your history....but it would be usual to accept what you have pictured.

    Ok so the 50% discount shows my 5 years ncb and the 3 years just means how long I'm with Fbd ?


  • #6
    mgbgt1978
    Registered Users, Registered Users 2 Posts: 4,261 ✭✭✭mgbgt1978


    Exactly.


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  • #7
    CiniO
    Registered Users, Registered Users 2 Posts: 16,069 ✭✭✭✭CiniO


    Conchurl wrote: »
    Ok so the 50% discount shows my 5 years ncb and the 3 years just means how long I'm with Fbd ?

    Not necesserily.

    You could have a claim just over 3 years ago and NCB protection.
    In that case, it would show up like in your statement (3 years claims free under the policy, and 50% NCB).


  • #8
    mgbgt1978
    Registered Users, Registered Users 2 Posts: 4,261 ✭✭✭mgbgt1978


    The certificate he attached clearly shows that his insurer only awards a 50% no claims discount to those with at least 5 years claim free driving. He has a 50% discount.
    An NCB protection will only be applicable if you stay with same company. If you move to another insurer (as he did) it ceases to exist.
    So he couldn't have made a claim within the past 5 years.


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