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No claims bonus

  • 13-08-2020 8:58pm
    #1
    VonLuck
    Registered Users Posts: 2,293 ✭✭✭


    Hope this is the right forum for this.

    I'm looking to change my insurer but my current insurer only gives a max of 6 years no claims bonus and have provided this document now at renewal time.

    The reality is that I've gone 10 years without a claim, but if I'm going to new insurer can I only claim 6 seeing as that's all my current insurer stands over? Have I somehow lost 4 years or how do I show evidence of this now?


Comments

  • #2
    BBMcQ
    Registered Users, Registered Users 2 Posts: 1,324 ✭✭✭BBMcQ


    VonLuck wrote: »
    Have I somehow lost 4 years or how do I show evidence of this now?

    I don’t work in the industry or anything but generally I think 6+ is seen as the “max” no claims discount. I change insurance companies every year and I just pick the max discount then pass on the proof, no issues.


  • #3
    Thewife
    Registered Users Posts: 402 ✭✭Thewife


    It’s irrelevant how many years bonus you have because there is a maximum level on the bonus scale and most companies are 5 or 6 and anything above that is irrelevant and won’t benefit you in anyway regarding your policy price .

    BBMcQ wrote: »
    I don’t work in the industry or anything but generally I think 6+ is seen as the “max” no claims discount. I change insurance companies every year and I just pick the max discount then pass on the proof, no issues.


  • #4
    Thewife
    Registered Users Posts: 402 ✭✭Thewife


    Sorry I replied to the wrong comment my comment was for the OP.


  • #5
    ASOT
    Registered Users, Registered Users 2 Posts: 7,739 ✭✭✭ASOT


    Thewife wrote: »
    It’s irrelevant how many years bonus you have because there is a maximum level on the bonus scale and most companies are 5 or 6 and anything above that is irrelevant and won’t benefit you in anyway regarding your policy price .

    It will with some companies. Allianz being one that gives you a bigger discount for 10 years.


  • #6
    coylemj
    Registered Users, Registered Users 2 Posts: 25,492 ✭✭✭✭coylemj


    I keep my renewal notices going back 10 years or more precisely for that reason. So if I need to show that I have 10 years no-claims, I can produce the last renewal notice which might show five years and I can also produce the renewal from five years ago which also shows five years no claims. Those two pieces of paper collectively show a 10 years span with no claims.


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  • #7
    joebloggs32
    Registered Users, Registered Users 2 Posts: 1,637 ✭✭✭joebloggs32


    BBMcQ wrote: »
    I don’t work in the industry or anything but generally I think 6+ is seen as the “max” no claims discount. I change insurance companies every year and I just pick the max discount then pass on the proof, no issues.

    I have come across this issue of 10 years also. Some appear to be offering it.

    I always keep the renewal notice so I can if needed go back many years if needed anove what is put on my renewal for each given year.


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