Car no claims bonus issue

darego

Looking for some advice here on my no claims bonus.

My car insurance is up for renewal next month and my current insurance provider is not giving me a 1 year no claims bonus for the previous year.

I had an accident on March 12th 2023 to a parked car which obviously affected my NCB back then which is fine. But since that incident I will have 1 year car insurance from April 10th 2023 to April 9th 2024 during which I have no claims. Surely I'm owned 1 year NCB for this period, since the accident happened in March 2023 and shouldn't affect the insurance period starting April 2023, right?

Can someone please tell me if I am missing something here? Or does NCB go by claim payout date and not the incident date?

Eggs For Dinner

The accident and renewal dates are very close. If you renewed in 2023 before your bonus was stopped, they can do it now

darego

https://www.boards.ie/discussion/comment/121934241#Comment_121934241

Damn that sucks. So even though I have 1 full year of claims free insurance from April last year I can't even use that with another insurance company?

manatoo

Weird that they say "accidental damage to insured's vehicle". Was there no damage to the vehicle you hit?

Eggs For Dinner

https://www.boards.ie/discussion/comment/121934581#Comment_121934581

But you would have had the benefit of a no claim bonus last year when you shouldn't have.