Simple straight forward no claims question

[Chapster5]

If you crash and its your fault say you have three years NCB do you loose all your no claims or just say two? Mate of mine had a bump few months back his fault said his insurance is only taking 2 years off him?

 

[Beef-Mc]

Sure my sister was told the same thing.

 

[Munson]

Normally all AFAIK.

 

[skyinsurance]

If you crash and its your fault say you have three years NCB do you loose all your no claims or just say two? Mate of mine had a bump few months back his fault said his insurance is only taking 2 years off him?

Industry norm is you'll go back to 1 year NCB so that's all correct.

Cheers

Ollie
Sky Insurance

 

[Gally]

25% seems to be a rough estimate but they can wipe them all out also.

 

[McGherkin]

How long was it since you last claimed, if you've just made a claim?

Mind you, I had 1 year until CSS.

 

[MikeoftheQuays]

I know they don't take them all off you but I don't know if it's a set amount or if it's discretionary.

 

[Prong]

Had 2 years taken away when the mrs had a smash

 

[DaveDreads]

I got back from France once, stopped at a mates house and drove down the wrong side of the road when I got back in the car,
a car came round the corner and whollop!!!!

Obviously my fault, a copper showed up and I took full responsibility,
paid for his repairs and courtesy car out of my own pocket, but through my insurer,
I was expecting to get raped, but they said it didn't count as a claim as it hadn't cost them a penny,
I was only 3rd party as well.

Don't know if this is still the case though.

 

[Chapster5]

Hmmm very odd cheers guys .

Not sure why they are called no claims bonus if you can keep at least one even if you claim. Strange world strange world.

 

[DaveDreads]

They make it up as they go along I reckon.

 

[b1lly]

2 years off your no claims afaik

 

[Don]

With my full write off...they took 2 years from my ncb. Had 4 yrs...coming up to 5 and went down to 2. But you still need to declare the claim which goes towards the quote.

 

[Nmp1970]

It depends on the insurance company and the type of crash.