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Hibernian - Protected No Claims - Renewal quotes

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  • 25-01-2008 12:46pm
    #1
    lizzyd66
    Closed Accounts Posts: 194 ✭✭


    I am with Hibernian and paid for the protected no claims cover plus the step back no claims. I had been driving claims free for 7 years (never had an accident up to last year) so have a 50% discount. Since signing up I have had two accidents (one where I scrapped the side of my car on a gate post and one where I reversed in to a parked car opp my drive at home). Under the terms of the policy you are allowed 2 claims in a certain time period (I think it is 2 claims in 5 years) without losing your no claims discount. I'm kicking myself about my careless driving (even though my mum blames the green car I bought in June - not sure what that is about!) but am wondering......

    If I want to shop around for insurance at my renewal date , can I just say I have X number of years no claims or will I have to declare the claims?

    Logically speaking I would imagine that I would have to declare the claims in which case I won't get the full benefit of the no claims discount and will be wedded to the Hibernian for the foreseeable future.

    Has anyone else been in a similar situation (re moving insurance companies after claiming under the protected no claims clause, not in incurring two careless accidents!) and what did you do? .


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    #2
    oilsheik
    Closed Accounts Posts: 90 ✭✭oilsheik


    No if your shopping around you'll have to mention the accidents. NCB protection should be re-named premium protection i.e. your next annual premium won't be impacted by the accidents however your NCB will be lost. Effectively your locked into staying with Hibernian for 5yrs. I think most insurers trot out the line Have you had any accidents or claims in the past five years?
    Therefore you'll only be able to say no if 5yrs time.


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    #3
    PeakOutput
    Registered Users Posts: 7,639 ✭✭✭PeakOutput


    i didnt work in sales but i am almost sure that you will be able to keep your full bonus.

    yes you had 2 accidents and you have to declare them BUT you will be asked for a proof of bonus from your current insurer and if this says that they are still giving you a full bonus(which is 70% not 50%) then the company "should" honor that if they want your business. they dont have to honour it by any stretch of the imagination but i think they will anyway to get your business

    edit; tere is no disadvantage to you ringing and asking them yourself by the way


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    #4
    dingding
    Registered Users Posts: 4,931 ✭✭✭dingding


    When you get your renewal notice with your NCD record, It will mention your NCD but also list the 2 claims and the ammount to settle them. You will be with Hibernian for a while. :(


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