laumk7 Posted August 15, 2016 Share Posted August 15, 2016 Before the accident I had 3 full years NCD and a further year mounting up at the moment. Am I going to lose all of it? Part of it? All but the year mounting up at the moment? I'm 100% to blame on this one as unfortunately the lorry didn't stop for me to get his reg Quote Link to comment Share on other sites More sharing options...
alexp999 Posted August 15, 2016 Share Posted August 15, 2016 I think it can vary by insurer, but 2 years seems to be the norm for first claim in a year. 1 Quote Link to comment Share on other sites More sharing options...
TomsFocus Posted August 15, 2016 Share Posted August 15, 2016 Didn't you have 'protected' no claims? Quote Link to comment Share on other sites More sharing options...
laumk7 Posted August 15, 2016 Author Share Posted August 15, 2016 35 minutes ago, TomsFocus said: Didn't you have 'protected' no claims? Nope Quote Link to comment Share on other sites More sharing options...
GMX Posted August 15, 2016 Share Posted August 15, 2016 2 hours ago, alexp999 said: I think it can vary by insurer, but 2 years seems to be the norm for first claim in a year. I too, have always understood it to be 2 years 2 hours ago, TomsFocus said: Didn't you have 'protected' no claims? i think you have to get 4 years NCD before you can have it protected. Which is a tad irksome if you have a claim towards the end of your third year, just as you're coming up to your fourth year 1 Quote Link to comment Share on other sites More sharing options...
TomsFocus Posted August 15, 2016 Share Posted August 15, 2016 Ah I didn't know that! I've got 7 now and keep them protected. The discount only applies up to 5 anyway with my insurer though. Quote Link to comment Share on other sites More sharing options...
simcor Posted August 16, 2016 Share Posted August 16, 2016 When I had my bump I lost all but 4 years of my no claims bonus, thankfully I got it reinstated after their insurer admitted all liability thanks to my dashcam footage at the time. But I was dropped from 15 years to just 4 years NCB. But as said it is annoying when most only accept a maximum of 5 years anyway. Quote Link to comment Share on other sites More sharing options...
GaryPL Posted September 5, 2016 Share Posted September 5, 2016 Hastings will take all but 4 years of your NCD too, then they'll dock 2 years at a time for each accident. Seems pretty unfair that the same accident can cost a less careful driver with 4 years NCD less money than it can a careful driver with 9 years... And the government has the bare faced cheek to call the insurance market competitive! Quote Link to comment Share on other sites More sharing options...
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