Quote:
Originally posted by weeveetwin
If you change insurers, does the protected no-claims still stand - or is it merely the way in which insurers hold on to their existing clients? Surely any new insurer will look at your claims record for themselves?
How would you answer the question they all ask: "Have you made any claims etc. in the last five years?" |
Not all insurers offer the option of a protected NCB but, if they do, they will normally offer it against the "proof of claims entitlement" document an insurer is obliged to give you when your cover expires.
However, they are not obliged to cover you...if you have a protected no claims bonus, but have had five claims in the last three years, they could just refuse to cover you. Regarding what to say in the previous claims section, if you don't mention a claim, they can refuse to pay when the time comes...theoretically, all insurers now have access to a central database that holds claims made against all insurers country wide. While I doubt this is fully operational, its probably always wise to tell the whole truth in these things. Not much point in paying £50 a month for insurance then be told you're not covered when you write off your 23 stone, champion kick-boxer neighbours pride and joy
