However, if you stopped driving due to living abroad for more than 2 years, any NCB you earned is gone forever. This means you would have to build it all up all over again. While we cannot totally restore your NCB to the level you had before it expired, one of our specialist insurance partners has the next best thing.
This offer currently does not exist with any other insurance company in Ireland. What else have you got to lose? Moreover, your premiums the following year will not be as high thanks to having an NCB. Most important of all, you can have your policy tailored to your every need. The majority of domestic burglaries are not committed by master criminals, but rather by young people who are looking for an easy opportunity to gain access to a house unnoticed, so they can get their hands on your valuables to sell on.
Q: What if I get into an accident and don't tell my insurer? Sorting out the costs of an accident privately might sound like a good way to avoid impacting your no claims discount, but it's never a good idea.
This could result in your insurer refusing to deal with the claim, declaring your policy invalid, and could also affect your no claim discount. You still don't have to make a claim, it's just important to let them know what's going on. Q: What is no claims discount protection — and do I need it? It takes a lot of careful driving to build up no claims discount, and most drivers desperately want to protect it once they earn it.
No Claims Discount Protection lets you keep your discount even if you do get into an accident or need to claim, subject to a maximum number of claims allowed within a certain period. Q: How long does proof of no claims remain valid? After such time you'll need to build a new no claims bonus. It depends what the claim is for; payments for windscreen damage or emergency treatment fees won't affect it.
Likewise, if the accident was the other person's fault and we recover all the money from their insurers, you won't lose your bonus. 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. If you make two claims during the period you're insured for, you'd lose four years' bonus, and if you made three or more claims during the period you're insured for, you'd lose them all.
If it was their fault, the third party insurer pays out and we recover our costs, it won't impact on your bonus. However, this doesn't mean your policy won't be affected. Insurance is all about risk — and as part of this an insurer will look at the number of accidents you have, both fault and non-fault. There are circumstances which could mean you lose your NCB even if the accident wasn't your fault.
If, for example, you were hit by an uninsured driver, the claim would need to be made through your insurer rather than the third party's and if your bonus isn't protected you may lose some of it. No claims discounts tend to lapse after a couple of years which is worth bearing in mind if you're returning to the road after some time away. However, it's always worth discussing with your new insurer as, depending on how long it's been, they may be able to accept some of the bonus if you still have proof of your last policy.
You can pay to guarantee or protect your NCB.
0コメント