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Is it worth protecting NCB?

  • 31-10-2016 12:59am
    #1
    loopymum
    Registered Users, Registered Users 2 Posts: 1,257 ✭✭✭


    I am trying to decide if it is worth paying for, I never had the ncb protection before but having seen a friend get a huge increase in her premiums after an accident I am considering taking it out.

    My insurance is up for renewal next week
    Fully comp and includes windscreen cover and breakdown asist with an excess of €125, car is 2l diesel 2001 is €469

    and I emailed the insurance company the costs of insuring the NCB and this is what they came back with

    3 different option of bonus protection,

    Step-back bonus protection, This will protect 20% of your 50% discount in the event of a claim.
    Protected no claims discount, this will allow you to have 2 claims in a 3 year period without looking your discount.
    protected no claims discount with step back, this allows you again to have 2 claims in a 3 year period without loosing your discount and in the event you have a 3rd claim you discount will be stepped back to 20% on a 3rd claim.
    To add option 1 to the renewal it would be €491.52
    To add option 2 it would be €514.92
    To add option 3 it would be €540.67


Comments

  • #2
    MrDiyFan
    Closed Accounts Posts: 193 ✭✭MrDiyFan


    I think they can still jack up the premium after an accident even with ncb


  • #3
    dev100
    Registered Users, Registered Users 2 Posts: 1,002 ✭✭✭dev100


    Option 03 is the best option in my opinion. It means your NCB is protected
    MrDiyFan wrote:
    I think they can still jack up the premium after an accident even with ncb

    I had that argument.

    They will tell you the market rates have gone up but you still have a full NCB it's joke really basically because other people have accidents you have to pay for it.


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