Please note that underwriting criteria, terms and conditions apply. If we are able to reward your driving experience with an additional, introductory discount we will require written proof of that experience from the insurer of that policy.
What is the difference between an introductory discount and an earned No Claims Discount? They are both the same in that they will discount your policy as you are rewarded for your previous driving. However, in most cases, an earned No Claims Discount will mean you get more of a discount than if you just have an introductory discount for named driving experience, fleet driving experience, or second family car discount.
In the event that you have a claim will lose an introductory discount we allow, but your earned No Claims Discount will be protected with either stepback or full protection.
Can I earn a No Claims Discount as a named driver? No, unfortunately not. What happens to my No Claims Discount if I have a claim? Assuming a valid claim is made, the effect on your No Claims Discount depends on what section the claim is under and what type of protection applies to your policy. Some sections allow you to claim and have no effect on your No Claims Discount — you should consult your policy booklet for full details. Will a windscreen claim affect my no claims discount?
No, a claim for windscreen repair or replacement will not affect your No Claims Discount. Car insurance policy booklet. Likewise, if the accident was the other person's fault and we recover all the money from their insurers, you won't lose your bonus.
Even if you do have to claim for an accident that was your fault, you could still keep some of your NCB. If you make one claim during your insurance period, you'll lose two years of the bonus.
If you make two claims during the period you're insured for, you'd lose four years' bonus, and if you made three or more claims during the period you're insured for, you'd lose them all.
If it was their fault, the third party insurer pays out and we recover our costs, it won't impact on your bonus. However, this doesn't mean your policy won't be affected. Insurance is all about risk — and as part of this an insurer will look at the number of accidents you have, both fault and non-fault.
There are circumstances which could mean you lose your NCB even if the accident wasn't your fault. If, for example, you were hit by an uninsured driver, the claim would need to be made through your insurer rather than the third party's and if your bonus isn't protected you may lose some of it.
No claims discounts tend to lapse after a couple of years which is worth bearing in mind if you're returning to the road after some time away. However, it's always worth discussing with your new insurer as, depending on how long it's been, they may be able to accept some of the bonus if you still have proof of your last policy. You can pay to guarantee or protect your NCB.
The difference between the Guaranteed and Protected schemes is with Protected, if you keep on making claims in consecutive insurance periods, you can lose the protection and ultimately, some of your discount too.
Where your bonus remains unaffected, in most instances a claim will lead to some increase in premium at renewal. If you do claim, you risk losing some, or all, of your no claims discount. This usually knocks down the discount by one or two years. What happens to your no claims discount after an accident will depend on whether or not the accident was your fault.
If it was, you may lose some or all of your bonus. Your no claims discount will be reduced or removed as a result. You will still have to pay an excess, however. Proof of no claims is usually valid for two years. A way to safeguard your no claims discount is to pay an additional amount on top of your car insurance to protect it. This means that even if you were to make a claim, your no claims bonus would stay intact.
Making two claims in a year with a protected no claims discount won't have an effect with some insurers, though others may significantly reduce it. When calculating premiums, insurers look at the number of years without claims as well as the number of claims made. However, you can build up a second no claims bonus on a separate car insurance policy for a second car. You can also have a single no claims discount on a multicar policy. But an at-fault claim for one car will lose the discount on the entire policy.
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