Your insurer should have provided you with a premium breakdown at renewal (if not you can ask for it). That should show your base premium and then relevant loadings and deductions after that.
Mr earl.Contact the Ombudsman. You will need to go thro the companies complaints procedures first.
Contact the Financial Services Ombudsman. http://www.citizensinformation.ie/e.../motor_tax_and_insurance/motor_insurance.html
Mr earl.
The wording on protecting your no claims bonus , may to lay people like us, means what it says ie you are protected.
Sadly on a lot of insurance type contracts it means what the insurance company requires it to mean.eg it is difficult to claim on heart attacks.
As suggested ,clearly put your concerns to insurance company complaints section.
If no satisfaction then by all means go to Ombudsman.
Peteb.No. No claims bonus protection does what it says on the tin. Or specifically in your policy wording.
Heart attacks have nothing to do with general insurance. Nor would you have a problem with a claim arising from same.
Peteb.
I only used the Heart Attack as best example of how claims are not met.
You would DEFINATELY have a very big problem claiming on what lay people understand as a heart attack.
The way clinical understanding of what was commonly known as a heart attack has moved ,means the proving of a clinical heart attack is difficult.
I would be slow to include heart attack in my insurance cover unless I clearly understood what Heart Attack means to Insurers as distinct from lay people understand a heart attack to be.
Point taken;Not a very good example is all.
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