Ncd/ncb

no claims bonus/ no claims discount? i used to have 8 years but when i had my off in 2006 it dropped to 4? eh i said? but i lived with their decision at 4 years, after my off last year my insurance said i was down to 1 year? so ok i thought 1 year it is let's try and build on that. my renual came today at ?500ish pounds with mce so i rang to ask a few questions, he told me straight away i'd got NO no claims bonus? so i argued the toss! guess what i have one year again? do any of these ppl know how to do their job? my thinking on the subject was u loose 2 years each time you have an accident?

[timwilky]

When I was knocked off and 3rd party admitted full liability, at renewal I had no no claims. So blasted my brokers who would talk to underwriter and phone me back.

Surprise, they did phone back. Despite it be recorded as a non fault claim. it had killed my NCD. Re-instated in full.

Originally Posted by timwilky

Surprise, they did phone back. Despite it be recorded as a non fault claim. it had killed my NCD. Re-instated in full.

Lucky as they dont have to its calld no CLAIMS discount not no BLAMES

Originally Posted by kwak zzr

no claims bonus/ no claims discount? i used to have 8 years but when i had my off in 2006 it dropped to 4? eh i said? but i lived with their decision at 4 years, after my off last year my insurance said i was down to 1 year? so ok i thought 1 year it is let's try and build on that. my renual came today at ?500ish pounds with mce so i rang to ask a few questions, he told me straight away i'd got NO no claims bonus? so i argued the toss! guess what i have one year again? do any of these ppl know how to do their job? my thinking on the subject was u loose 2 years each time you have an accident?

Have you changed insurers in the last few years at all? One thing to note is that different insurers have different max NCB levels. A lot have 5 years as their maximum, so even if you have been insured, without claims, for 8 years, you'll only have 5 years NCD. If they take 2 years per claim, you'd go down to 3 years if you made a claim, not 6 years as you might think (going off your 8 years).

I had thought before you mentioned going to 3 years from 8 years but you just mentioned 4 - so not really sure I can explain your situation I'm afraid - but the above might help you explain it

well the guy at MCE said i had none? and quoted me £194 third party fire and theft but after my questions as to why he suddenly found the 1 year and it dropped to £160 something? pays to ask questions tho.