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
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

NCB discount query

  • 19-11-2020 1:30pm
    #1
    Tzardine
    Registered Users, Registered Users 2 Posts: 3,885 ✭✭✭Tzardine


    Hi Folks,

    The renewal notice for my wife's insurance landed today. I am going to start the fun process of shopping around online for quotes for her.

    Quick question about her NCB. See the image below. How many years NCB should I say she has when completing the online forms.

    Is it 1 or 3 ?

    GzDKy1I.jpg


Comments

  • #2
    Katelyn Hollow Swan
    Posts: 4,186 ✭✭✭ Katelyn Hollow Swan


    Tzardine wrote: »
    Hi Folks,

    The renewal notice for my wife's insurance landed today. I am going to start the fun process of shopping around online for quotes for her.

    Quick question about her NCB. See the image below. How many years NCB should I say she has when completing the online forms.

    Is it 1 or 3 ?

    GzDKy1I.jpg

    When was the last time she made a claim on the policy?


  • #3
    Tzardine
    Registered Users, Registered Users 2 Posts: 3,885 ✭✭✭Tzardine


    Ensley Spoiled Refrigeration wrote: »
    When was the last time she made a claim on the policy?

    2018


  • #4
    cplwhisper
    Registered Users, Registered Users 2 Posts: 797 ✭✭✭cplwhisper


    Tzardine wrote: »
    2018

    State number of claim free years = 1
    Ncb years in total = 3
    Any claims - 1 in 2018

    The insurer you doing quote with will then give you call back and you explain that she had full ncb at time of accident, her step back ncb with Axa stepped her from 5yrs(75% their ncb scale) back to 2yrs (60% on their scale) and she has driven 1 yr claim free since this 65%..


  • #5
    Tzardine
    Registered Users, Registered Users 2 Posts: 3,885 ✭✭✭Tzardine


    cplwhisper wrote: »
    State number of claim free years = 1
    Ncb years in total = 3
    Any claims - 1 in 2018

    The insurer you doing quote with will then give you call back and you explain that she had full ncb at time of accident, her step back ncb with Axa stepped her from 5yrs(75% their ncb scale) back to 2yrs (60% on their scale) and she has driven 1 yr claim free since this 65%..

    Cheers for that.

    So I rang the current insurer (Axa).

    She actually has 2 claim free years. There is an error on the form that says 1.

    But for the purpose of declaring NCB, they have confirmed that I should put 3 years in the online forms as the current NCB.

    The claim on the policy was minor, so when I declare it on the online quote form it does actually give a quote, it does not refer me for a call back.

    My worry was that if I tell a new company that there is 3 years NCB it might be incorrect, but it seems not.

    CONFUSED.COM :confused:


  • #6
    Katelyn Hollow Swan
    Posts: 4,186 ✭✭✭ Katelyn Hollow Swan


    Tzardine wrote: »
    Cheers for that.

    So I rang the current insurer (Axa).

    She actually has 2 claim free years. There is an error on the form that says 1.

    But for the purpose of declaring NCB, they have confirmed that I should put 3 years in the online forms as the current NCB.

    The claim on the policy was minor, so when I declare it on the online quote form it does actually give a quote, it does not refer me for a call back.

    My worry was that if I tell a new company that there is 3 years NCB it might be incorrect, but it seems not.

    CONFUSED.COM :confused:

    Tbh most companies won't even give you a quote if you have had a claim in the last 5 years so your options will be very limited.


  • Advertisement
  • #7
    Tzardine
    Registered Users, Registered Users 2 Posts: 3,885 ✭✭✭Tzardine


    Ensley Spoiled Refrigeration wrote: »
    Tbh most companies won't even give you a quote if you have had a claim in the last 5 years so your options will be very limited.

    Not finding that thankfully.

    The claim was accidental damage with no other car involved, and settled for relatively small money. I was surprised TBH that getting online quotes was no problem.

    Did not seem to affect premium at all either. Its a new car, two drivers, €567 Comp (AIG).


Advertisement