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Full no claims protection?

  • 12-04-2012 08:45PM
    #1
    goodstuff!
    Registered Users, Registered Users 2 Posts: 92 ✭✭


    What does this actually mean? If i have a claim this year with my current insurer, can i then legally say to a different insurer next year that i have full no claims bonus?
    I'm currently shopping around for my insurance renewal and don't know if all these extras are worth it or not.


Comments

  • #2
    pippip
    Registered Users, Registered Users 2 Posts: 2,246 ✭✭✭pippip


    No, only with the current insurer. any one else your back to zero. still worth it imo


  • #3
    CiniO
    Registered Users, Registered Users 2 Posts: 16,041 ✭✭✭✭CiniO


    goodstuff! wrote: »
    What does this actually mean? If i have a claim this year with my current insurer, can i then legally say to a different insurer next year that i have full no claims bonus?
    I'm currently shopping around for my insurance renewal and don't know if all these extras are worth it or not.

    No you can't.
    In most cases full NCB protection means that your NCB is protected only if you stay with your current insurer.


  • #4
    goodstuff!
    Registered Users, Registered Users 2 Posts: 92 ✭✭goodstuff!


    In that case, there is nothing stopping them from raising next years premium so? They could come up slightly lower price than their competitors and you would have to stick with them!
    Has anyone any experience of this?


  • #5
    CiniO
    Registered Users, Registered Users 2 Posts: 16,041 ✭✭✭✭CiniO


    goodstuff! wrote: »
    In that case, there is nothing stopping them from raising next years premium so? They could come up slightly lower price than their competitors and you would have to stick with them!
    Has anyone any experience of this?

    I will have some experience in 3 months when my renewal comes.


  • #6
    goodstuff!
    Registered Users, Registered Users 2 Posts: 92 ✭✭goodstuff!


    CiniO wrote: »
    I will have some experience in 3 months when my renewal comes.
    Sorry to hear that man.


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  • #7
    [Deleted User]
    Posts: 23,497 ✭✭✭✭ [Deleted User]


    There is often a fairly low limit on what the claim can be too, €10,000 ish wouldn't be uncommon.


  • #8
    aujopimur
    Registered Users, Registered Users 2 Posts: 3,952 ✭✭✭aujopimur


    I have an open claim, my premium increased by €160, so much for NCB protection.


  • #9
    Marcusm
    Registered Users, Registered Users 2 Posts: 11,093 ✭✭✭✭Marcusm


    goodstuff! wrote: »
    What does this actually mean? If i have a claim this year with my current insurer, can i then legally say to a different insurer next year that i have full no claims bonus?
    I'm currently shopping around for my insurance renewal and don't know if all these extras are worth it or not.

    Section 64 Road Taffic Act 1961 making a false statement to obtain insurance is an offence!


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