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no claims discou t

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  • 12-01-2014 7:54pm
    #1
    91ciara
    Registered Users Posts: 3 ✭


    Hi guys

    I wondered if anyone could help. I have a full irish licence for 2 years and have been driving since march 2011, so 3 years. Ive always been insured with axa. However I went travelling in aufust 2012, but took my insurance out in February 2013. However axa insurance are saying I only have 2 years no claims bonus because im a mobth short between February and March. but really its 3. Its costing mr an extra 100 euro in all insurance companies now so could anyonr give any advice please.


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    #2
    oldyouth
    Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    I'm a bit confused over this travelling aspect. Are you saying you let your policy lapse for a while?

    Regardless of that, you earn 1 years NCB for every 12 consecutive months of insurance cover, no breaks. You could take out insurance for 10 months at a time over a long period and never earn a NCB


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    #3
    91ciara
    Registered Users Posts: 3 ✭91ciara


    oldyouth wrote: »
    I'm a bit confused over this travelling aspect. Are you saying you let your policy lapse for a while?

    Regardless of that, you earn 1 years NCB for every 12 consecutive months of insurance cover, no breaks. You could take out insurance for 10 months at a time over a long period and never earn a NCB

    Yea I cancelled my insurance in August 12 travelled and then took out a policy February 13 so because of this theyre saying I only have 2 years no claims.

    Thanks :-D


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    #4
    Nervous Wreck
    Closed Accounts Posts: 16,115 ✭✭✭✭Nervous Wreck


    91ciara wrote: »
    Yea I cancelled my insurance in August 12 travelled and then took out a policy February 13 so because of this theyre saying I only have 2 years no claims.

    Thanks :-D

    You do only have 2 years NCB. They award you a years NCB for 12 consecutive months.


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    #5
    oldyouth
    Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    Yeah, you will have 2 years NCB, providing you keep your policy live until renewal date. You earned:
    1 year from March 11 to March 12,
    Nothing for March 12 to August 12
    1 year from Feb 13 to Feb 14


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