I'm searching online for a renewal quote. I currently have a Protected No Claims Discount of 65%, c 6 yrs+. However in 2004, just under 4 years ago, I was hit on the front wing by a foreign lorry pulling out on a motorway without warning. The lorry driver admitted his fault, and I understand the insurance complany reclaimed the money ok, though it tool a long time.

So I have 2 questions -

1) When asked if I have claimed in 5 years, do I have to say "yes" even though the incident was clearly not my fault and resolved to that effect, and of course I still have 6 yrs+ NCD ?

2) If the answer is "yes I must declare it", even though not my fault, does that mean that there is little value in Protecting the NCD. ie if it shows as a claim if I change insurers, then am I limited to sticking with my existing insurer (whatever they quote), or move insurers and lose my protected NCD ?

TA

Hi...you have to declare everything. Although they will also ask if the claim was a no fault claim and the sum was paid by the other insurers. This should mean that your new policy is not affected by this, however I have been in the same situation and it becomes a real pain when you are unsure whether they have listened to you. So I said sod it and paid a little extra for my existing renewal for the peace of mind that all my details were actually correct with my existing insurer. All policies are set up in "utmost good faith" but the insurer will always look for a way to get out of paying the claim, so for peace of mind I may suggest staying where you are if the difference is minimal.

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Regards

Ian

Most insurers online only ask for 3yrs history, so go for them. The ones that say 5, put in non fault, trust me that'll do!

And yes there is very much a point in protecting your ncd as if you're unfortunate enough to be in an accident that's your fault it'll save you from losing your ncd. If you're not protected you'll go back down to 3 yrs ncd = premiums rising!

Sold car insurance for 3 yrs