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[Mysteryman]

We have been with aviva for a good few years now, built up about 15 years NCB. We protected the NCB and were allowed two claims in four years without it being affecting. (The premium still goes up but that's a different story).

My wife had a bump last January (her fault) and the insurance put it all right.

Now to the crux: If we decide that our next renewal premium is too high, can we go elsewhere and say that we have 15 years no claims. Or would we have to say only one year?
If it's only one year, then that means aviva can shaft us for whatever they want as going elsewhere would definately be more costly.

[Welung666]

No, your NCB is protected so you still have full NCB

[Mysteryman]

No, your NCB is protected so you still have full NCB

Are you sure? I'd hate to assume that and come a cropper.

[PhilRich]

You have to declare the claim to another insurer Steve (they check the Insurers database as a matter of course anyway ) but your no claims is still intact. 

[Mysteryman]

This is not what I was expecting to hear, but good

[Danny]

they'll still try and rob you, even with protected no claims, just cos you've actually had to make a claim!

they have to discount officially for the number of "no claims bonus" you have, but they'll give a higher premium to start with

do some "assumption" quotes, one declaring no accidents and 15 years no claims, and one declaring last years accident and with the 15 years no claims, and see what the difference is

[Webby the Bear]

yeah i agree..... theyll still try and shaft you. they all do.

the new company will still take into consideration the claim even if you got protected no clms.

[Mysteryman]

yeah i agree..... theyll still try and shaft you. they all do.

the new company will still take into consideration the claim even if you got protected no clms.

Really? Niiiice

[Danny]

even if claims aren't your fault they'll have a go

AND, why do you think they ask if you've had any accidents that you HAVEN'T claimed for, they'll do absolutely anything to hike it up, so if you appear to be any sort of risk of a payout, they'll not bother using vaseline just so it stings more

[Mysteryman]

I don't mind a hike of, say, £80-£100, because unlike Martin Lewis, I think of that as £2 a week, not £100 a year.

[jyr001]

As Philrich says you must declare it and if you're going elsewhere. Any new company you approach will see it when they run a check on the database anyway and usually the catch-all is that they will ask whether there have been any claims "regardless of blame". If you don't declare - and they subsequently find out - your policy will be invalid anyway.

A couple of years ago my daughter had two "no fault" prangs in one of my cars (she was a named driver on my policy) and was unfortunate enough to get hit twice in two days!! Even now these claims still come up when I'm ringing around at renewal time. I even had one company, last year, trying to load my personal bikers policy which had nothing to do with my daughter whatsoever.

When it comes to insurance companies It seems that it's always going to be weighted in their favour as you only earn NCB on a one for one basis but get penalised on everything if you claim.

I suppose this is the price we pay for being honest. Since there's so many scallywags running around with no insurance this is what loadfs the premiums.

[Danny]

i dont see why you have to start your no claims from scratch on a second car

[Mysteryman]

i dont see why you have to start your no claims from scratch on a second car

Different policy.

[Danny]

i dont see why you have to start your no claims from scratch on a second car

Different policy.

well in my opinion no claims should be attached to the person

[Mysteryman]

i dont see why you have to start your no claims from scratch on a second car

Different policy.

well in my opinion no claims should be attached to the person

You  should put that to the insurance companies. They don't often get a laugh.