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No Claims Discount

  • 27-01-2016 11:27pm
    #1
    Nozebleed
    Registered Users, Registered Users 2 Posts: 1,727 ✭✭✭


    Need someone to clarify.

    I have 50% no claims discount on my current policy but on my no claims certificate it says im 2 years claims free driving.(due to windscreen chip which I got fixed). Now if im shopping around, many insurers will ask how many years no claims bonus you have. Where do in stand?. Have I 2 or 5?


Comments

  • #2
    boardsuser1
    Closed Accounts Posts: 6,196 ✭✭✭boardsuser1


    Nozebleed wrote: »
    Need someone to clarify.

    I have 50% no claims discount on my current policy but on my no claims certificate it says im 2 years claims free driving.(due to windscreen chip which I got fixed). Now if im shopping around, many insurers will ask how many years no claims bonus you have. Where do in stand?. Have I 2 or 5?
    Happened me before. You have 5 years yes,but it is 2 years since no claim of any form was made. Some insurers ask you that also. They day they won't load the premium but it is ireland. axa done it to me.


  • #3
    9935452
    Registered Users, Registered Users 2 Posts: 2,835 ✭✭✭9935452


    KC161 wrote: »
    Happened me before. You have 5 years yes,but it is 2 years since no claim of any form was made. Some insurers ask you that also. They day they won't load the premium but it is ireland. axa done it to me.
    It makes you wonder if it is worthwhile claiming for a windscreen when you are going to have to pay it back to them the next year


  • #4
    boardsuser1
    Closed Accounts Posts: 6,196 ✭✭✭boardsuser1


    9935452 wrote: »
    It makes you wonder if it is worthwhile claiming for a windscreen when you are going to have to pay it back to them the next year

    +1


    I have a small chip on my windscreen at the moment. I'm debating paying for it myself as insurers will take the NCB for ANY CLAIM OF ANY KIND before long. It's complete madness in the market at the moment


  • #5
    To Elland Back
    Closed Accounts Posts: 1,923 ✭✭✭To Elland Back


    KC161 wrote: »
    +1


    I have a small chip on my windscreen at the moment. I'm debating paying for it myself as insurers will take the NCB for ANY CLAIM OF ANY KIND before long. It's complete madness in the market at the moment

    You're worried about what might happen in the future. If it is in your current contract that your premium won't be affected, you will have your bonus at renewal


  • #6
    9935452
    Registered Users, Registered Users 2 Posts: 2,835 ✭✭✭9935452


    To Elland Back wrote: »
    You're worried about what might happen in the future. If it is in your current contract that your premium won't be affected, you will have your bonus at renewal

    I read somewhere lately that some insurance companys wont quote you if you have claimed for two windscreens in the last 5 years.

    Though on a personal level , i claimed for a windscreen a few years back off setanta. Premium increased by 60percent afterwards. Went to another insurer. Later that year setanta went to the wall, so i was lucky there


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  • #7
    boardsuser1
    Closed Accounts Posts: 6,196 ✭✭✭boardsuser1


    To Elland Back wrote: »
    You're worried about what might happen in the future. If it is in your current contract that your premium won't be affected, you will have your bonus at renewal

    At the moment i will. But the insurers could change how they operate. 15 year old cars not being insurable with some is only the beginning


  • #8
    To Elland Back
    Closed Accounts Posts: 1,923 ✭✭✭To Elland Back


    9935452 wrote: »

    Though on a personal level , i claimed for a windscreen a few years back off setanta. Premium increased by 60percent afterwards

    Just because of the windscreen claim? No other damage to the car?


  • #9
    To Elland Back
    Closed Accounts Posts: 1,923 ✭✭✭To Elland Back


    KC161 wrote: »
    At the moment i will. But the insurers could change how they operate. 15 year old cars not being insurable with some is only the beginning

    Well if the benefit is there now, without consequences, I'd avail of it


  • #10
    9935452
    Registered Users, Registered Users 2 Posts: 2,835 ✭✭✭9935452


    To Elland Back wrote: »
    Just because of the windscreen claim? No other damage to the car?

    No other damage. It was the year they went bust, id say they put prices up trying to stay afloat.


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