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No Claims question

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  • 11-11-2020 12:31pm
    #1
    drogon.
    Registered Users Posts: 716 ✭✭✭


    Wonder if this is a biggie or not. Basically last year I had 6 years no claims, which I provided to my insurer, this year got the no claims document stating I still have 6 years no claims discount only. Is this is a limit ? or should I have gotten 7 years no claims in the document instead

    I have made no claims in the last 7 years


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    #2
    galwaytt
    Registered Users Posts: 12,761 ✭✭✭✭galwaytt


    No Claims Bonus has no legal standing, it's a discretionary discount awarded by insurers as a discount. So, some companies have a scale of NCB up to a certain number of years.

    However that doesn't detract your actual experience of having no claims may be longer than that, so if a new insurer wanted something on that, you'd just ask your 'old' insurer of a letter acknowledging the actual number of years you've driven with them claim-free.

    As most companies NCB policies are similar, and not having an accident in the last 5 years being the most relevant driving experience to calculating your premium then and NCB 'cert' beyond that is of moot value.

    Ode To The Motorist

    “And my existence, while grotesque and incomprehensible to you, generates funds to the exchequer. You don't want to acknowledge that as truth because, deep down in places you don't talk about at the Green Party, you want me on that road, you need me on that road. We use words like freedom, enjoyment, sport and community. We use these words as the backbone of a life spent instilling those values in our families and loved ones. You use them as a punch line. I have neither the time nor the inclination to explain myself to a man who rises and sleeps under the tax revenue and the very freedom to spend it that I provide, and then questions the manner in which I provide it. I would rather you just said "thank you" and went on your way. Otherwise I suggest you pick up a bus pass and get the ********* ********* off the road” 



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    #3
    drogon.
    Registered Users Posts: 716 ✭✭✭drogon.


    Thanks, yeah the new company I went with only gives me a max of 5 years no-claims discount. Just thought if it was worth pursing to get them to send me a doc with the correct number of years or not


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    #4
    galwaytt
    Registered Users Posts: 12,761 ✭✭✭✭galwaytt


    drogon. wrote: »
    Thanks, yeah the new company I went with only gives me a max of 5 years no-claims discount. Just thought if it was worth pursing to get them to send me a doc with the correct number of years or not

    Well you can, but I don't think your new insurer will give you anything extra for it.

    Ode To The Motorist

    “And my existence, while grotesque and incomprehensible to you, generates funds to the exchequer. You don't want to acknowledge that as truth because, deep down in places you don't talk about at the Green Party, you want me on that road, you need me on that road. We use words like freedom, enjoyment, sport and community. We use these words as the backbone of a life spent instilling those values in our families and loved ones. You use them as a punch line. I have neither the time nor the inclination to explain myself to a man who rises and sleeps under the tax revenue and the very freedom to spend it that I provide, and then questions the manner in which I provide it. I would rather you just said "thank you" and went on your way. Otherwise I suggest you pick up a bus pass and get the ********* ********* off the road” 



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