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NCB after crash

  • 07-09-2015 5:08pm
    #1
    5W30
    Closed Accounts Posts: 694 ✭✭✭


    Hi,

    If someone builds up a 2 year NCB, then doesn't renew the policy and later crashes as a named driver on a different policy, is the 2 year NCB cert issued still valid (if they took out a policy in their own name)?


Comments

  • #2
    To Elland Back
    Closed Accounts Posts: 1,923 ✭✭✭To Elland Back


    Bonus is still valid, but you have an accident against you which may affect acceptance or rating by future insurers


  • #3
    Stheno
    Moderators, Business & Finance Moderators, Science, Health & Environment Moderators, Society & Culture Moderators Posts: 51,690 Mod ✭✭✭✭Stheno


    5W30 wrote: »
    Hi,

    If someone builds up a 2 year NCB, then doesn't renew the policy and later crashes as a named driver on a different policy, is the 2 year NCB cert issued still valid (if they took out a policy in their own name)?

    If the ncb has lapsed for more than two years then it's gone


  • #4
    5W30
    Closed Accounts Posts: 694 ✭✭✭5W30


    To Elland Back wrote: »
    Bonus is still valid, but you have an accident against you which may affect acceptance or rating by future insurers
    Stheno wrote: »
    If the ncb has lapsed for more than two years then it's gone

    Thanks for the response. The NCB cert is still valid as it's only been a year since it was issued.


  • #5
    Stheno
    Moderators, Business & Finance Moderators, Science, Health & Environment Moderators, Society & Culture Moderators Posts: 51,690 Mod ✭✭✭✭Stheno


    5W30 wrote: »
    Thanks for the response. The NCB cert is still valid as it's only been a year since it was issued.

    Once you declare the accident on any newbquotes it will probably wipe it out


  • #6
    macplaxton
    Moderators, Motoring & Transport Moderators Posts: 2,957 Mod ✭✭✭✭macplaxton


    Yes,

    minus x % NCB (you get a discount)

    plus y % loading for having an accident (but against that a loading).

    y will probably be higher than x.

    It's less of a kick-in-the-nuts than x = 0.


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