Hi,
I see a number of previous posts but I don't see one for this exactly and I want to be sure given that it has to do with insurance.
I crashed my car last year in the bad weather and hit the ditch, no damage to anyone else except my car. I then claimed about €3,500 off the insurance. I have always got my insurance with my no claims bonus fully protected.
My insurance is up for renewal soon.
I got the cert of no claims bonus and it says my NCD is 0 and my NCB% is 50%.
I went to another broker last week to get a quote and they went away and came back that I was back at the beginning of the scale and were not allowing me any NCB over my claim. Now maybe I have misinterpreted this thing all wrong over the years but I have paid extra every year to keep my NCB so when I am going for my renewal should I be looking for a 50% NCB from other companies?
Can someone explain it to me as otherwise I feel that I have to stay with my existing company and I can not change insurance companies as my current insurance company will give me 50% if the others are not. I am also wondering did the broker get it all wrong.
All the best & looking forward to some clarity.
Mike
I see a number of previous posts but I don't see one for this exactly and I want to be sure given that it has to do with insurance.
I crashed my car last year in the bad weather and hit the ditch, no damage to anyone else except my car. I then claimed about €3,500 off the insurance. I have always got my insurance with my no claims bonus fully protected.
My insurance is up for renewal soon.
I got the cert of no claims bonus and it says my NCD is 0 and my NCB% is 50%.
I went to another broker last week to get a quote and they went away and came back that I was back at the beginning of the scale and were not allowing me any NCB over my claim. Now maybe I have misinterpreted this thing all wrong over the years but I have paid extra every year to keep my NCB so when I am going for my renewal should I be looking for a 50% NCB from other companies?
Can someone explain it to me as otherwise I feel that I have to stay with my existing company and I can not change insurance companies as my current insurance company will give me 50% if the others are not. I am also wondering did the broker get it all wrong.
All the best & looking forward to some clarity.
Mike