Is it worth protecting no claims? If you have a big discount you’ve built up, say 50% for example, you might want to consider paying for no claims protection. This is because if you make a claim, you could lose anything you’ve built up already. But if you’ve paid for the extra, it should be protected.
Do you still get no claims as a named driver?
Named drivers can’t usually build up a no claims discount, although they can accumulate their own if they’re insured as the main driver on their own car. Some insurance providers may give a named driver a discount – provided they take out their own policy at a later date.
How long can you keep your no claims if you don’t have a car?
If you’ve stopped driving for a while or you no longer own your car, you should still be able to use your no-claims bonus – it will last for two years after you stop driving. After this, it will expire, and you have to start building it again.
What no claims cover?
A no claim discount is a reduction in the cost of your car insurance if you don’t make a claim. You usually earn one year of no claim discount for every claim-free year of motoring. So, if you don’t make a claim for five years, you’ll have five years of no claim discount applied to the basic cost of your car insurance.
Is it worth getting no claims protection? – Related Questions
Is 9 years no claims the maximum?
In reality, most insurance providers cap the maximum no-claims discount at around 5 years. Some insurance companies do go beyond this – you might find an insurer willing to give you a discount on 8 or 9 years’ worth of no-claims.
How much no claims do I lose if I make a claim?
Even if you do have to claim for an accident that was your fault, you could still keep some of your NCB. If you make one claim during your insurance period, you’ll lose two years of the bonus. So, if you have five or more years NCB, it will reduce to three years at renewal.
How does no claims work?
A no claims bonus (NCB), or more correctly a no claims discount, is awarded if you don’t claim in the latest policy year. Even if you have an accident that wasn’t your fault – you’re hit by an uninsured driver, or your car gets stolen – you could lose your NCB, and your premium could even go up at renewal.
Do I lose no claims bonus if I have a break?
But if there’s a break in your car insurance cover of two years or more, your no-claims discount will usually expire, meaning you’ll have to build up your no-claims bonus again from scratch.
How does no claims protection work?
No claim discount (NCD) protection is an optional cover which protects your NCD from one “at fault” claim every year. It does not protect the overall price of your insurance policy, but does guarantee that your premium won’t increase next year as a result of a claim.
Can you use no claims on 2 vehicles?
Unfortunately, you can only use one set of no claim discount on one vehicle at any time. To earn multiple sets of no claim discount you need to insure multiple vehicles at the same time.
Do insurance companies ask for proof of no claims?
Do insurance companies ask for proof of no-claims bonus? Yes. If you’re switching to a new car insurance provider and tell them you have an existing no-claims bonus in your application, they’ll probably need to see some proof.
Can I insure a car that is not in my name?
The answer is yes, you can take out a separate car insurance policy on someone else’s car – but make sure that you tell the insurer you’re not the owner or the registered keeper of the vehicle when you apply.
Can I be main driver on 2 policies?
You can be the main driver of more than one car. But insurance companies will often question it to check for fronting.
How do you get caught fronting?
Fronting will most likely be discovered when a claim is made. If it is the named driver who is involved in a collision, for example, an insurance provider may launch an investigation. Should the insurer conclude that fronting has occurred, it may refuse to pay for any damage.
What happens if the additional driver has an accident?
Named drivers are people you add to your policy so they can drive your car from time to time. If they have an accident in your car, it’ll mean a claim on your policy – even if they have their own car and insurance. This affects your no-claims bonus, not theirs.
Can I insure a car but not be the main driver?
It depends. Some insurance providers will only insure you as the main driver if you’re the car’s owner or registered keeper. If you’re having trouble getting cover from one insurance provider, it’s worth contacting others for a quote.
Can DVLA tell you who owns a car?
You can ask DVLA for information about your vehicle or another vehicle and its registered keeper if you have a ‘reasonable cause’.
Can I insure my daughters car in my name?
Yes, but only if you’re the primary driver of the car. Find out your options. Updated Jan 11, 2022 .
Can I drive someone else’s car on my insurance?
No. There was a time when many fully-comp policies automatically gave you third-party insurance to drive any car, but those days have gone. So even if you’re fully covered for your own car, don’t assume you’re insured to drive other people’s cars otherwise you risk breaking the law.
What happens if someone else is driving my car and gets in an accident UK?
If someone else is driving your car and another person causes the accident, the at-fault driver’s insurance is usually responsible for covering costs. On the other hand, if the driver of your car is at fault, your car insurance will usually cover damages.