How do you claim on your protected insurance without you losing your no claims??

[Theivz]

don't know if that makes any sense ... but how do people claims for dings and dents on protected no claims insurance? People say to me "my 3 years of not claiming was coming up so I thought it'd sort the dings out" and then the no claims stays protected ???

sorry if its a stupid question or that it makes little or no sense :confused:

[Raj]

Basically, you can claim twice in every 3 year period without it effecting your no claims bonus. After that you lose the protection and a couple of years no claims bonus.

[Theivz]

ahh nice one thanks

do u have to be with the same insurer the whole time?

[Raj]

ahh nice one thanks

do u have to be with the same insurer the whole time?

Hmmm, good question. Not sure, but I think it only applies with the same insurer as my mum is with More Than and I am sure her policy actually has permanent protection (obviously pay extra for it).

[Theivz]

mmm ok nice one, cheers - will have a look at my policy

[Raj]

mmm ok nice one, cheers - will have a look at my policy

Worth just giving them a call perhaps.

[J1SUA]

If you claim some Insurance companies will not count this year as a 'No claims year' so you won't lose your no claims, but you will lose this years bonus....if that makes sense - so instead of 4, you'll stay on 3

Best to confirm with your insurance company though

[Y1 4MER]

No claims protected bonus can be contunied from 1 insurer to another the previous insurer jus sends u a certificate to pass onto ur new insurance company for it 2 contunie

[pete323]

Is it going to be worth it on the long run? You will have to state the claim for upto 5 years after and it WILL put your insurance premium up