How to get proof of no claims discount, MoneySupermarket, no claims discount rules.#No #claims #discount #rules


How to get proof of your no claims discount

No claims discount rules

by Mark Hooson

Online and tech expert

Tuesday 11 Jul 2017

Save money on your car insurance

Orignally published March 14th 2016

When switching insurers you’ll need to provide your new insurer with proof you’ve built up as many years worth of no claims discount as you say you have – and it’s not always as straightforward as you might think.

So here’s how to get proof of your no claims discount.

What is no claims discount (NCD)?

For every year you drive without making a claim on your car insurance your insurer will give you one year’s no claims discount (NCD) that will give you a reduction on the price of your policy.

Also known as no claims bonus (NCB), these discounts are accumulated each year – the more years you drive without making a claim, the greater the reduction in the cost of your car insurance.

A word of warning though, both the discount offered and the maximum number of years’ worth of NCD you can accrue varies from insurer to insurer, so be aware of this when switching.

How long is proof of no claims valid for?

Proof of no claims is usually only valid for two years, which means if you’re off the road for any reason or don’t have your own policy for more than two years, you’ll be back to zero NCD the next time you take out cover.

How to get proof of no claims discount (NCD)

At MoneySuperMarket, we recommend drivers not to renew automatically every year with the same firm but to check whether it’s worth switching provider. This is usually the case, as insurers tend to reserve their best prices for new customers rather than existing ones.

As and when you do make the switch your new insurer to ask for proof of no claims discount. The problem is, you’ll most likely have to get that proof from your last insurer, and each company handles this process differently.

One company might include your proof of no claims in your renewal or cancellation letter, another might send a specific proof of no claims discount letter, while a third company might only send proof if you request it.

We rang around a number of insurers to get find out how you’re meant to get hold of your proof of NCD and whether any of them send the proof out automatically. Here’s what they had to say.

What to do when you have your proof of NCD

Once you’ve got your proof of no claims discount in hand – whether that’s a letter, in an email or a PDF – there are stringent rules about getting it to your new insurer which, if broken, can leave you out of pocket or worse, uninsured.

To make sure you’re not caught out, here’s a look at some of the things to watch out for when you change car insurance providers and have to provide proof of no claims discount.

  1. Your annual renewal letter may serve as proof of no claims discount, so hang on to it. Saga, Santander and HSBC, to name but a few, say their renewal letters should suffice as proof.
  2. Not all insurers will automatically send you proof of no claims discount. Check our table to see if yours does, and what you need to do if they don’t.
  3. There is usually a time limit on getting your proof of no claims discount to the new insurer. This tends to range from around 7 to 21 days.
  4. If you don’t provide proof of no claims within the time limit, your new policy could be cancelled, leaving you uninsured, or your premiums could be increased as if you didn’t have a no claims discount.
  5. Some insurers will not accept a photocopy of your proof of no claims discount letter, and will ask that you send the original. If this is the case, be sure to make a photocopy for yourself.
  6. Most insurers only recognise no claims discount up to a certain point. For example, the greatest discount HSBC and M S will recognise is nine years. Insurers also have different maximum percentages, usually 70% or 75%.
  7. Your new insurer may contact your old insurer to get the proof of no claims discount itself, but it will tell you if it intends to do so.
  8. It’s also worth a follow-up call if you’ve not heard anything a week after you’ve sent the proof of no claims discount. The insurer should send you some kind of letter or email to confirm receipt, but don’t assume they’ve received it because you could be driving around uninsured.

How an NCD mishap can leave you without insurance

As a real-life example of how easy it is to get tripped up by all of this, MoneySuperMarket employee Hannah Jones found herself unwittingly driving around without any car insurance after sending off proof of her no claims discount.

Hannah switched to Sheila’s Wheels and was told to send proof of no claims discount within 14 days, which she did.

To Hannah’s surprise, she received a letter from Sheila’s Wheels saying the policy had been cancelled because they hadn’t received the proof. This was two weeks after it was sent, and the letter was backdated by a week.

Making matters worse, when Hannah called Sheila’s Wheels to explain it had already been sent, she was told that they would contact her previous insurer and that they didn’t really need the paperwork!

Though Hannah was able to explains matters and correct the situation, at first she faced a cancellation fee and higher premiums if she still wanted insurance with the company.

Clearly, even if you receive and send your proof of no claims discount, things could still go wrong, so it’s worth checking if you’ve heard nothing back.

And if you’ve built up a number of years’ worth of no claims discount it’s worth considering protecting it so you can still take advantage of the annual reduction even if you’ve made a claim.

What is no claims discount (NCD) protection?

NCD protection allows you to have a set number of ‘at fault’ accidents each year without affecting the discount. This means your NCD remains intact even if your insurer can’t claim their costs back.

And while this won’t necessarily stop the cost of cover increasing after a claim – insurers use your claims history to calculate premiums, with the discount factored in at the end – it should still mean the annual cost is lower than if you’d not protected your NCD.

You can take your car insurance no claims discount with you when you switch insurers. The discount might not be the same, but the new firm should honour your claims history. You can also transfer your NCD to another vehicle, perhaps if you buy a new car.

Using this MoneySuperMarket tool, you can find out how the leading car insurance providers approach the subject.

How many no-claims discount years will my new insurer honour?

Work out how many of the years you’ve built up will be recognised



Prime Label Consultants, no claims discount rules.#No #claims #discount #rules


Breaking News

No claims discount rules

Services

Nutrition Label Reform (NLR)

Nutrition Menu Labeling

Label Prototype Construction

No claims discount rules

Training

FDA Label Basics

USDA Label Basics

Label Graphics Trends

USDA Generic Labeling

Labeling Marketing Claims

Individual Product Coaching

Label Training Manuals

No claims discount rules

Conference

Expanded 2 day Agenda

Nutrition Label Reform

Keynotes by FDA, USDA, FTC

Four Tracks for FDA, USDA, Marketing and Experts

Add-on Labeling Training

Grand Hyatt, Washington DC

No claims discount rules

Software

FDA, USDA, Health Canada

NLR Conversion Assistance

Nutrition Serving Wizards

Sketch Spec Sheet Builder

USDA Labeling Features

CN Labeling ADA Exchange

Compliance Smart Checks

Who Trusts Our Services.

Retailers

Nutrition Facts Label Copy

FDA USDA Label Review

Brands

Nutrition Label Reform

Label Ad Copy Review

Leading Edge Claims

Manufacturers

Nutrition Facts Panels

Label Website Review

Regulators

USDA, FDA, Commerce

Petitions В Comments

Food Label Conference

No claims discount rules

No claims discount rules

No claims discount rules

No claims discount rules

What Our Customers Say

It is essential for efficient creation and organization of label approvals.

Honestly, I don’t know what I would do without it!

The Deluxe version also provides assistance with Canadian regulations.В В

Labeling Compliance Manager, QualityВ

Project Leader, Regulatory Services

Director of Communications Marketing

[Prime Label s Consultants] are of great help and guidance for us, especially in understanding the new USDA new generic label approval guidelines. Having our product labels go through their PLC Compliance Review Report has given us assurance and regulatory compliance supporting documentation to demonstrate that our products are still in line with USDA guidelines and requirements.В

Director of Food and Safety

[Prime Label] provided useful and insightful recommendations to improve and strengthen our Labeling Process. Using the audit results, we were able to pin-point our weaknesses so we knew exactly where to focus our efforts. As a result, we have built a stronger labeling department as well as improved the accuracy of our labels.

Eddy Packing Company, Inc

While many other resources can be difficult to sort through or decipher at times, the Essential Guide does a really great job of summarizing the most important labeling rules and subject matter. Well-organized, user-friendly, and with references back to the CFR, it s become my favorite go-to guide. В В

Labeling Compliance Specifications

John Morrell Food Group

As a veteran customer with over 20 years experience working with Prime Label Consultants, they are always finding new and innovative ways to support the food industry with regulatory assistance. [With Premium Access] it is so easy to just pick up the phone or email [Prime Label] to locate that answer your customer is demanding.

Manager of Printed Packaging Regulatory AffairsВ

Smithfield Farmland Corp.

There is no other program like it on the market. EZ Form provides the ability to respond [to compliance requests] quickly, effectively, and in a format that is easily recognized by government officials. In as little as 30 minutes, you can have a new user operating the program. It is intuitive, easy to use, provides regulatory guidance and a library of tens of thousands of look-up terms, policies, and directives.

Manager of Printed Packaging Regulatory AffairsВ



Octagon Car and Van Insurance, no claims discount.#No #claims #discount


Car Insurance

keeping you on the road

No claims discount

Van Insurance

Great value van insurance

keeping you on the road

Car Insurance

Octagon Insurance offers great value Car Insurance tailored to your needs. The four levels of cover you can choose from are Octagon Standard (comprehensive), Octagon Extra, Octagon Classic, or Third Party, Fire and Theft, so you’ll find the right cover at a price that suits you. Choose from our Optional Extras to enhance your cover, including Legal Expenses Cover, Vehicle Rescue and Extended Personal Accident Cover.

Van Insurance

Whether your van is for business or personal use, keeping you on the road is our priority. Octagon Van Insurance offers three levels of cover; Comprehensive, Extra (comprehensive) or Third Party, Fire and Theft, to help you find the right cover at a price that suits you or your business. Enhance your cover with our Optional Extras such as Tools in Transit cover, Legal Expenses cover and Vehicle Rescue cover.

Contact Us

Can’t find what you are looking for?

Our friendly UK call centre staff are at hand if you can’t find the answers you are looking for.

No Claims Discount

Recently taken out a policy through us? Upload your No Claims Discount quickly and easily with our NCD form.

My Octagon

Manage your insurance policy at your convenience with My Octagon. You can access your insurance documents online, whenever you might need them. Go paperless with My Octagon.*

*For existing customers only.

No claims discount No claims discount

One Quote Direct Insurance Services Limited trading as Octagon Insurance Services is an appointed representative of Europa Group Limited and acts as a credit broker and not a lender in relation to premium finance contracts. Registered as a limited company in England and Wales No. 5479983. Europa Group Limited is authorised and regulated by the Financial Conduct Authority, Financial Services Register No. 309794. Registered office: Europa House, Midland Way, Thornbury, Bristol, BS35 2JX.

Customers with a policy that started on or before 31st December 2016 can continue to use this website as usual.

Customers with a policy that renewed on or after 1st January 2017 the details on this website will not be relevant to your policy, please see your renewal pack for further information.



Which Car insurance companies accept No claims Discount proof from abroad-EU, no claims discount.#No #claims #discount


Welcome to the MSE Forums

  • Anti-social behaviour

If you spot spam, offensive or racist posts PMs please email [email protected]

If you want to ask about changing your username, have login problems, have password problems or a technical issue please email [email protected]

If you want to ask why a word can’t be typed, your signature’s been changed, or a post has been deleted see the Forum Rules. If you don’t find the answer you can ask [email protected] though due to volumes we can’t guarantee replies.

Forum Social Team

We look after your Forum

Hi and welcome to MSE Forum! We hope you enjoy using it to save lots of money.

If you have any questions please read our Forum Rules and FAQs.

If a forum post breaks our rules please click “report” on the post or email the post link to [email protected]

  • 57.4k views
  • 4 replies

Login to MSE Forum

Use your username and password to Login to MSE Forum

Join the MSE Forum

Contribute to the MoneySavingExpert.com Forums

Don’t have a Forum account? Join Here

Start posting on MoneySavingExpert Forum in minutes.

Have a Forum account? Login Here

  • FIRST POST

No claims discount

No claims discount

    Does anyone know which company will accept it ?

    Sorry!

    There are currently no thanks for this post.

    No claims discount

    No claims discount

      • #2
      • 16th Jul 08, 1:48 PM
      • #2
      • 16th Jul 08, 1:48 PM

      I think Saga do (if you are over 50)

      I’m confident that Groupama would

      I’m pretty sure that a Lloyds Underwriter, such as Chaucer, would too.

      Users saying Thanks (1)

      No claims discount

      No claims discount

        • #3
        • 22nd Jul 10, 3:22 PM
        • #3
        • 22nd Jul 10, 3:22 PM

        Sorry!

        There are currently no thanks for this post.

        No claims discount

        No claims discount

          • #4
          • 22nd Jul 10, 3:29 PM
          • #4
          • 22nd Jul 10, 3:29 PM

          Users saying Thanks (1)

          No claims discount

          No claims discount

            • #5
            • 22nd Jul 10, 3:44 PM
            • #5
            • 22nd Jul 10, 3:44 PM

            Sorry!

            There are currently no thanks for this post.

            This thread is closed, therefore you are unable to respond.

            • Contact Us
            • Top
            • All times are GMT. The time now is 5:22 AM .

            Our aim is to save you money quickly and easily. We hope you like it!

            RT @GrahamLloyd1969: Cheers @MartinSLewis taken your advice. Reduced monthly mobile bill by 30, boiler maintenance down 20/mth. And 150?

            RT @kennaplumbing05: @MartinSLewis I as a tradesman get asked all of the time. Its usually the very rich customers in the biggest houses th?

            RT @brokenbottleboy: I’m so thankful for @MartinSLewis’ work on mental ill health and money. I really struggled when I wasn’t well. Systems?

            Buying via Amazon 1-Click? You may be charged for delivery by default – even if you can get it free

            Most broadband and landline users to get automatic compensation from 2019

            Ofgem to cap charges for force-fitting prepayment meters

          • No claims discount

            NHS trusts halt training tax refunds – and one tries to take BACK Ј20k already paid

          • No claims discount

            Premium Bond prizes to be boosted following base rate rise

            British Gas customers – there’s a hidden way to cut Ј130+ off your bill.

          • No claims discount

            Is cash dead? 4 reasons you shouldn’t use it.

          • No claims discount

            A year ago Santander 123 halved its interest to 1.5% – now most should consider ditching it

          • No claims discount

            Warning: Parents with 2+ children who’ll go to uni, SAVE NOW, the system’s biased against you

          • No claims discount

            The secret of how to pick your new energy provider from a list of firms you’ve not heard of

            Tools Calcs

            Cheap Energy Club

            We ensure you’re on the cheapest tariff

            Loans Eligibility

            All of the top unsecured personal loans

            Credit Card Eligibility

            Tools for different credit card types purchases

            Mortgage Best Buys

            Compares thousands of mortgages

            Mortgage Calculator

            Eight calcs for all your mortgage sums

            Free complaints tool

            Resolver – the automated complaints system

            How this site works

            We think it’s important you understand the strengths and limitations of the site. We’re a journalistic website and aim to provide the best MoneySaving guides, tips, tools and techniques, but can’t guarantee to be perfect, so do note you use the information at your own risk and we can’t accept liability if things go wrong.

            • This info does not constitute financial advice, always do your own research on top to ensure it’s right for your specific circumstances and remember we focus on rates not service.
            • Do note, while we always aim to give you accurate product info at the point of publication, unfortunately price and terms of products and deals can always be changed by the provider afterwards, so double check first.
            • We don’t as a general policy investigate the solvency of companies mentioned (how likely they are to go bust), but there is a risk any company can struggle and it’s rarely made public until it’s too late (see the Section 75 guide for protection tips).
            • We often link to other websites, but we can’t be responsible for their content.
            • Always remember anyone can post on the MSE forums, so it can be very different from our opinion.

            MoneySavingExpert.com is part of the MoneySupermarket Group, but is entirely editorially independent. Its stance of putting consumers first is protected and enshrined in the legally-binding MSE Editorial Code.

            More tools from MoneySavingExpert

            Budget Planner

            Free tool to analyse your finances and scrutinise spending.

            Premium Bonds Calc

            Unique tool uses probability to estimate winnings.

            EBay Local Deals Mapper

            Find cheap pick-up only items near you – they often attract fewer bids.

            Credit Club

            Turbo boost your credit chances and get your free Experian credit report.

            Credit Card Eligibility Calc

            Shows which top cards you’re most likely to get.

            MegaShopBot.com

            Instantly searches the best shopping comparison sites.

            Cheap Energy Club

            Ensures the cheapest energy deal constantly.



          • How your state s Unfair Claims Settlement Practices Act can help you, no claims discount.#No #claims #discount


            How your state’s Unfair Claims Settlement Practices Act can help you

            No claims discount No claims discount No claims discount No claims discount

            You may feel particularly vulnerable when filing a claim, especially if you aren’t familiar with the process of making claims and getting payments. Fortunately, your state has specific regulations that protect you against unfair claims settlement practices, such as slow or deceptive claims handling.

            Claims practices that are verboten will be similar from state to state because they are based on a model act developed by the National Association of Insurance Commissioners (NAIC). NAIC model acts are generally adopted by all states, but since states may tweak theirs first, your state’s law will likely be slightly different. To find out more about how the law works in your state, contact your state’s insurance department. (Find your state’s contact information.)

            Most state laws concerning this topic make a distinction between an auto insurance company’s own customers and a third-party claimant. For example, if you cause an accident, you would file a claim with your own insurance company. But if another driver damages your car, you would file a claim with their insurance company and in that case, you are the third-party claimant. Generally, an insurance company has more of an obligation to its own customers.

            What insurance companies can’t do

            Can’t misrepresent your policy

            Under most Unfair Claims Settlement Practices Acts, an auto insurance company may not knowingly misrepresent material facts or relevant policy provisions in connection with a claim. It may not attempt to enforce policy provisions that were altered by the company without notice to you or without your knowledge or consent.

            Can’t influence other policy settlements

            Typically, the company may not drag out the settlement of a claim under one portion of your policy where liability and the amount of the loss are reasonably clear, so as to influence settlements under a different portion of your policy. For example, your auto insurer can’t refuse to pay your bills under the medical coverage in your policy so that you’ll settle your uninsured motorist claim. Usually, this prohibition only applies if you’re filing a claim under your own policy, not if you’re pursuing a third-party action against someone.

            Must acknowledge your insurance claim

            An insurance company must acknowledge and act promptly in response to your communications about your claims. In some states, the insurance company must respond within a certain time frame, such as 15 days

            Must process your claim promptly

            Insurers must implement standards for promptly investigating and processing claims. Otherwise, an unethical insurance company could endlessly stonewall you by saying it is still investigating your claim.

            No delays for extra forms

            An insurer may not delay an investigation or payment of claims by requiring unnecessary or repetitive reports and proof-of-loss forms.

            Can’t force you to sue

            A company may not force you to go to court in order to recover amounts due under a car insurance policy by offering substantially less than the money ultimately recovered. Otherwise, an insurance company with lots of lawyers on the payroll could just say, “Sue us!” and make you go to court. Obviously, that would discourage many individuals with small claims

            Can’t appeal lots of claims

            Similarly, an insurance company may not exploit the legal system by appealing almost all of the arbitration awards in favor of policyholders as a way to force a settlement or compromise of claims. The insurance company is allowed to appeal, but appeals can’t be a standard business practice aimed at forcing you to take less than you’re owed on a claim.

            Can’t refuse or delay insurance claims without a darn good reason

            An insurance company may not refuse to pay your claim or delay payment without a valid reason. It must promptly provide you with a reasonable explanation why your claim was denied or why a compromise settlement was offered. The insurer is required to make a good faith attempt to process a prompt, fair, and equitable settlement of claims in which liability is reasonably clear.

            Your state may even have implemented standards for resolving specific types of claims. For instance, your state may stipulate what types of replacement car parts are permitted after an accident and how a total car loss should be compensated.

            What to do if you have an insurance claim problem

            If you suspect that your insurance company, agent, or adjuster is violating your state’s Unfair Claims Settlement Practices Act, talk to the individual’s supervisor. If you don’t get any satisfaction, file a complaint with your state’s insurance department.

            State insurance regulators investigate these practices, and a number of similar complaints against a particular insurance company could trigger a market-conduct examination. Regulators will then determine if the company is in compliance with applicable insurance regulations.

            What the law can’t do for you

            In a few jurisdictions, you can point to violations of the Unfair Claims Settlement Practices Act as a basis for a bad-faith action against your insurance company, and a company that makes a practice of violating the act may be subject to punitive damages.

            No claims discount No claims discount No claims discount No claims discount



            Teesta River Dispute between India and Bangladesh Explained – Clear IAS, no claims discount explained.#No #claims #discount #explained


            Teesta River Dispute between India and Bangladesh Explained

            The Teesta river dispute makes headlines every time there is a bilateral talk between India and Bangladesh. The dispute is regarding water sharing of River Teesta. Bangladesh wants a higher share than it gets now. Currently, its share is lower than that of India s.

            This article gives a broad insight on the river water sharing dispute, a timeline of various commissions formed, proposed alternative solutions etc.

            Teesta River States it pass through

            No claims discount explained

            • Teesta is a 414km long river flowing through the Indian states of West Bengal, Sikkim before going to the Bay of Bengal through Bangladesh.
            • It is the fourth largest transboundary river shared between India and Bangladesh after Ganges, Brahmaputra, and Meghna river systems.
            • Total catchment area: 1.75 million Sq. km

            No claims discount explained

            No claims discount explained

            Importance of Teesta River to Bangladesh and West Bengal

            For Bangladesh:

            According to the report of Asian Foundation in 2013, its flood plain covers about 14% of the total cropped area of Bangladesh and provides direct livelihood opportunities to approximately 73% of its population.

            For West Bengal

            Teesta is the lifeline of North Bengal and almost half a dozen of districts of West Bengal are dependent on the waters of Teesta.

            Teesta River Dispute The Timeline of the Negotiation Events

            No claims discount explained

            The negotiations on how to share the water have been going on since 1972.

            • 1972: Joint River Commission (JRC) was established by India and Bangladesh in the Indo-Bangla Treaty of Friendship.
            • 1983: Agreement on Ad-Hoc sharing of Teesta water. According to agreement Ad-Hoc sharing is valid until 1985 end.
            • 1984: According to 1984 JRC, Bangladesh’s share increased based on the hydrological data.
            • 1998: Bangladesh started “Teesta Barrage” irrigation project (3 cropping seasons per year).
            • 2011: an Interim deal that was supposed to last for 15 years – gave India 42.5% and Bangladesh 37.5% of Teesta water.

            Note: However, West Bengal and Sikkim opposed an interim deal, since then the deal was shelved and remains unsigned due to the objections of West Bengal.

            The federal angle of the Teesta River Issue

            No claims discount explained

            • Article 253 of Indian Constitution gives power to the Union Government to enter any transboundary river water related treaty with a riparian state.
            • The centre cannot do it arbitrarily without taking into consideration the social, political and eco-impact of such a treaty in the catchment area.
            • In 2011, the West Bengal government commissioned a study on the Teesta issue under the noted hydrologist Kalyan Rudra.
            • This is not acceptable to Bangladesh, where the water is required mainly during December – April period which is considered to be the leanest.

            West Bengal’s Objection

            No claims discount explained

            • Connection to global warming: Many of the glaciers on the Teesta river basin have retreated, says a strategic foresight group, a Mumbai think tank.
            • Estimates suggested that Teesta River has a mean average flow of approximately 60 billion cubic meters, of which significant amount flows during June and September and October to April is considered to be a lean season.
            • Any treaty will dry out northern region of West Bengal and will hurt farmers.
            • In 1998, Bangladesh’s Teesta barrage began, and the farmers of Bangladesh enjoyed 3 cropping seasons per year and don’t deserve any more water.
            • Project in West Bengal aims at irrigating 9,22,000 hectares of land in North Bengal and provides 67.60 MW of hydropower. Any water sharing with Bangladesh will hamper the project.

            The Alternative solutions proposed by West Bengal

            No claims discount explained

            • Mamata Banerjee proposed sharing of rivers like the Torsa, which are closer to the border of Sikkim and Bangladesh.
            • The Torsa, in fact, has connectivity with Bangladesh’s Padma.
            • She proposed that the two countries set up a commission to ascertain the level of water flowing through the Torsa and the quantum of water that can be shared.

            Bangladesh’s stand on Teesta River Dispute

            No claims discount explained

            • India already enjoys a share of 55% of the river water.
            • Bangladesh claims 50% of the water between December and May every year because that’s when the water flow to the country drops drastically.
            • Over 1 lakh hectares of land in Rangpur – its rice bowl cannot be cultivated for winter crops due to excessive withdrawal of water by India.
            • Bangladesh demands a fair share of river waters during the dry season.

            Political Angle of Teesta River Dispute

            • The previous Bangladesh Nationalist Party (BNP) govt. headed by Begum Khaleda Zia was not very receptive to India’s concern.
            • The BNP, during its tenure in power between 1991-1996 and again from 2001 to 2006, provided shelter to leaders and cadres from various North East based terror outfits.
            • But Sheikh Hasina’s Bangladesh Awami League(BAL) party followed India-friendly policies and also adopted a zero tolerance policy against anti-Indian terror outfits and eventually ULFA was banned.
            • The cooperation between the two nations facilitated the finalisation of land boundary agreement.
            • The Teesta River water deal as anticipated will help Delhi get more political leverage which it thinks is necessary to check the rising influence of China in the Bay of Bengal region.

            Conclusion

            • Bangladesh is a significant neighbourhood for India with a shared history, culture, religion and many more common elements.
            • For Bangladesh, this issue is still considered to be a prolonged suffering inflicted by India.
            • The cooperation of Bangladesh is important to India and without such liberal regimes in neighbouring countries, India cannot become terror free.
            • Bangladesh is an essential element for India to get connected with North East.
            • Considering the strategic importance of Bangladesh and as a responsible upper riparian state, India needs to take proactive steps for early conclusion of Teesta agreement.

            No claims discount explained



            No Claims Discount Explained – Car Insurance – Tesco Bank, no claims discount explained.#No #claims #discount #explained


            No claims discount explained

            A no claims discount (NCD) – or no claims bonus (NCB) – that a policyholder has accumulated over time can help lower the cost of car insurance. The amount saved is proportionate to the consecutive number of years that a person has held a policy in their name without making a claim. Brand new drivers setting up a policy for the first time will start with zero no claims discount, but, according to the Association of British Drivers, even a year’s worth can lead to reductions of up to 30 percent. Some insurers will offer incentives to help policyholders accelerate their savings potential – earning a year’s no claims discount in just 10 months, for example.

            The longer you go without making a claim, the less risk the insurance company feels they are taking on your policy, and therefore the larger the discount. Every type of insurance policy (third party only, third party fire and theft, and fully comprehensive) can accumulate a no claims bonus.

            On average, insurance companies will limit the discount permitted to five years – which can still result in savings of up to 60 percent. Some may allow more, but the way this discount is factored in and at which point in the calculation it is applied may vary, leading to different results.

            Just one no claims discount may be used per policy, so it will not be possible to use a single discount and apply it to multiple cars. If you are looking to insure more than one car through the same insurer, however, they may take this into consideration.

            What happens if my car is in an accident or stolen?

            In the event of an accident, unless the insurance provider can recover all of its costs from another party, such as the driver who may be at fault, then some or all of the no claims will be lost. If the accident involves a third party, but the driver at fault cannot be determined, then the costs will be split, and again the no claims will be affected.

            The same applies if a car is stolen, as the insurance provider will be unable to recoup its costs from another company, and therefore the no claims discount will be at risk.

            It is worth looking into the kind of claims that can affect the discount, as some policies will allow for windscreen damage, keeping the no claims bonus intact. In the case of minor damage, where the cost of the repair is small, it may be better to pay the amount yourself rather than going through the insurer, as a claim will mean a reduced discount.

            How insurance providers lower a no claims discount in the event of a claim may vary. For example, if the full amount of five years has been achieved, and it is the driver’s first accident, it may be reduced to a set amount, such as two years.

            Can I protect my no claims discount?

            By paying a small fee to the provider, the full discount will remain if a claim is made. It’s likely this fee will be less than the discount available by having five years of no claims, although there may be limits in terms of how often the protection can be used, and two claims or more per year may still have an effect. Paying for no claims protection does not prevent the price of the policy from increasing later on.

            What about named drivers and no claims discount?

            Usually it is only the policyholder who accumulates the no claims discount, but some insurance providers will also allow named drivers to build theirs. This can be useful if that person eventually wants to buy their own car, as they can use their no claims status for their own insurance, but often this will only apply if using the same company. If a policy lists any named drivers and they have an accident, this can still affect the no claims discount of the policyholder.

            Can I take my no claims discount to a different provider?

            When an insurance policy is due for renewal or has expired, proof of a no claims discount will be available from the provider, to be considered by a different company if necessary. Most insurers will only accept a no claims accumulated within the UK, but it is worth asking about this.



            Which Car insurance companies accept No claims Discount proof from abroad-EU, no claims discount rules.#No #claims #discount #rules


            Welcome to the MSE Forums

            • Anti-social behaviour

            If you spot spam, offensive or racist posts PMs please email [email protected]

            If you want to ask about changing your username, have login problems, have password problems or a technical issue please email [email protected]

            If you want to ask why a word can’t be typed, your signature’s been changed, or a post has been deleted see the Forum Rules. If you don’t find the answer you can ask [email protected] though due to volumes we can’t guarantee replies.

            Forum Social Team

            We look after your Forum

            Hi and welcome to MSE Forum! We hope you enjoy using it to save lots of money.

            If you have any questions please read our Forum Rules and FAQs.

            If a forum post breaks our rules please click “report” on the post or email the post link to [email protected]

            • 57.4k views
            • 4 replies

            Login to MSE Forum

            Use your username and password to Login to MSE Forum

            Join the MSE Forum

            Contribute to the MoneySavingExpert.com Forums

            Don’t have a Forum account? Join Here

            Start posting on MoneySavingExpert Forum in minutes.

            Have a Forum account? Login Here

            • FIRST POST

            No claims discount rules

            No claims discount rules

              Does anyone know which company will accept it ?

              Sorry!

              There are currently no thanks for this post.

              No claims discount rules

              No claims discount rules

                • #2
                • 16th Jul 08, 1:48 PM
                • #2
                • 16th Jul 08, 1:48 PM

                I think Saga do (if you are over 50)

                I’m confident that Groupama would

                I’m pretty sure that a Lloyds Underwriter, such as Chaucer, would too.

                Users saying Thanks (1)

                No claims discount rules

                No claims discount rules

                  • #3
                  • 22nd Jul 10, 3:22 PM
                  • #3
                  • 22nd Jul 10, 3:22 PM

                  Sorry!

                  There are currently no thanks for this post.

                  No claims discount rules

                  No claims discount rules

                    • #4
                    • 22nd Jul 10, 3:29 PM
                    • #4
                    • 22nd Jul 10, 3:29 PM

                    Users saying Thanks (1)

                    No claims discount rules

                    No claims discount rules

                      • #5
                      • 22nd Jul 10, 3:44 PM
                      • #5
                      • 22nd Jul 10, 3:44 PM

                      Sorry!

                      There are currently no thanks for this post.

                      This thread is closed, therefore you are unable to respond.

                      • Contact Us
                      • Top
                      • All times are GMT. The time now is 6:10 AM .

                      Our aim is to save you money quickly and easily. We hope you like it!

                      RT @GrahamLloyd1969: Cheers @MartinSLewis taken your advice. Reduced monthly mobile bill by 30, boiler maintenance down 20/mth. And 150?

                      RT @kennaplumbing05: @MartinSLewis I as a tradesman get asked all of the time. Its usually the very rich customers in the biggest houses th?

                      RT @brokenbottleboy: I’m so thankful for @MartinSLewis’ work on mental ill health and money. I really struggled when I wasn’t well. Systems?

                      Buying via Amazon 1-Click? You may be charged for delivery by default – even if you can get it free

                      Most broadband and landline users to get automatic compensation from 2019

                      Ofgem to cap charges for force-fitting prepayment meters

                    • No claims discount rules

                      NHS trusts halt training tax refunds – and one tries to take BACK Ј20k already paid

                    • No claims discount rules

                      Premium Bond prizes to be boosted following base rate rise

                      British Gas customers – there’s a hidden way to cut Ј130+ off your bill.

                    • No claims discount rules

                      Is cash dead? 4 reasons you shouldn’t use it.

                    • No claims discount rules

                      A year ago Santander 123 halved its interest to 1.5% – now most should consider ditching it

                    • No claims discount rules

                      Warning: Parents with 2+ children who’ll go to uni, SAVE NOW, the system’s biased against you

                    • No claims discount rules

                      The secret of how to pick your new energy provider from a list of firms you’ve not heard of

                      Tools Calcs

                      Cheap Energy Club

                      We ensure you’re on the cheapest tariff

                      Loans Eligibility

                      All of the top unsecured personal loans

                      Credit Card Eligibility

                      Tools for different credit card types purchases

                      Mortgage Best Buys

                      Compares thousands of mortgages

                      Mortgage Calculator

                      Eight calcs for all your mortgage sums

                      Free complaints tool

                      Resolver – the automated complaints system

                      How this site works

                      We think it’s important you understand the strengths and limitations of the site. We’re a journalistic website and aim to provide the best MoneySaving guides, tips, tools and techniques, but can’t guarantee to be perfect, so do note you use the information at your own risk and we can’t accept liability if things go wrong.

                      • This info does not constitute financial advice, always do your own research on top to ensure it’s right for your specific circumstances and remember we focus on rates not service.
                      • Do note, while we always aim to give you accurate product info at the point of publication, unfortunately price and terms of products and deals can always be changed by the provider afterwards, so double check first.
                      • We don’t as a general policy investigate the solvency of companies mentioned (how likely they are to go bust), but there is a risk any company can struggle and it’s rarely made public until it’s too late (see the Section 75 guide for protection tips).
                      • We often link to other websites, but we can’t be responsible for their content.
                      • Always remember anyone can post on the MSE forums, so it can be very different from our opinion.

                      MoneySavingExpert.com is part of the MoneySupermarket Group, but is entirely editorially independent. Its stance of putting consumers first is protected and enshrined in the legally-binding MSE Editorial Code.

                      More tools from MoneySavingExpert

                      Budget Planner

                      Free tool to analyse your finances and scrutinise spending.

                      Premium Bonds Calc

                      Unique tool uses probability to estimate winnings.

                      EBay Local Deals Mapper

                      Find cheap pick-up only items near you – they often attract fewer bids.

                      Credit Club

                      Turbo boost your credit chances and get your free Experian credit report.

                      Credit Card Eligibility Calc

                      Shows which top cards you’re most likely to get.

                      MegaShopBot.com

                      Instantly searches the best shopping comparison sites.

                      Cheap Energy Club

                      Ensures the cheapest energy deal constantly.



                    • No claims discount explained, no claims discount rules.#No #claims #discount #rules


                      No claims discount explained

                      No claims discount rules

                      by Kevin Pratt

                      Consumer affairs expert

                      Thursday 28 May 2015

                      Save money on your car insurance

                      The no-claims discount you get on your car insurance is a reward for safe driving – and can cut the cost of your car insurance by as much as 75% with most insurers. So it’s good to know that you can take your discount with you when you switch insurers.

                      How many no-claims discount years will my new insurer honour?

                      Work out how many of the years you’ve built up will be recognised

                      Pick your insurer

                      Sorry! Please pick an insurer.

                      Maximum number of

                      With most insurers, the size of discount you can achieve increases until you have built up five NCD years, at which point the maximum discount percentage is achieved. Despite this, some companies continue to recognise if you go further years without making a claim – but they don’t increase the size of your discount (or at least not by much).

                      However, it can still be helpful. If your insurance company recognises up to, say, nine years of claims-free driving and you have an accident, you might lose two years and drop back to seven. As that’s still higher than five, making a claim would not jeopardise your discount.

                      Other companies will always drop you back to three years after an accident, regardless of your number of years claims-free.

                      Maximum No Claims

                      The amount of discount earned increases with each year of claim-free driving.

                      So after one year you might get 30%, with the percentage increasing each year until you get 70% NCD after five years.

                      Most firms offer a maximum NCD of 70%, although some offer 75% or 80%.

                      Does it have an

                      Accelerated Bonus Scheme?

                      Some insurance companies offer drivers with no NCD an accelerated bonus scheme, which awards a year’s NCD after 10 months claims-free driving.

                      After 10 months, you can either renew with the same firm, or move to another firm with the one-year bonus intact.

                      Save money on your car insurance

                      Car insurance is a hefty expense, but there’s a good chance you can save money by shopping around rather than staying with the same firm at renewal. Loyalty doesn’t pay!

                      Get a car insurance quote

                      Understand your no claims discount

                      Here’s how it works. Most insurers offer a premium discount for every year without a claim, usually up to a maximum of five years. For example, you might earn a 30% discount on next year’s premium, if you do not make a claim in the previous year. Drivers who can boast five consecutive claim-free years can expect a discount of as much as 75% – or even more in some cases. The size of the discount, sometimes called a bonus, varies from insurer to insurer. Companies also calculate the discount in different ways. A number of firms even allow the discount to build up over 10 years or offer an ‘accelerated’ discount or bonus, where the discount applies after 10 months instead of 12.

                      Making a claim

                      It’s worth finding out what would happen to your discount if you put in a claim as you won’t necessarily forfeit the full amount. For example, if you have built up a discount over five years and make a claim in year six, you might lose only two years of discount. So, when you come to renew your car insurance, you would benefit from a three-year bonus. Remember that your insurance premium can still go up at renewal even if you don’t make any claims. That’s because the driver’s claims history is only one element in the premium calculation. Insurers also take into account factors such as your address and mileage, when they quote for cover. That’s why it’s always important to shop around when you renew, to make sure you’re getting the most competitive price for the cover you want.

                      Discount portability

                      If this has happened to you, or you have any questions about no claims discounts, drop us a line in the box below.

                      Named drivers

                      Did you enjoy that? Why not share this article



                      Property Industry Eye, no claims discount rules.#No #claims #discount #rules


                      TOP NEWS STORIES

                      Rain poured through light fittings in home owned by landlord with directorship of local agent

                      New lettings business says student rental market is broken

                      Could students face paying fees to secure accommodation but move in after the ban?

                      EweMove franchisees achieving phenomenal success

                      New Foundation will tell teenage drivers of the risks they face on the roads

                      James Douglas Sales and Lettings offering to waive fees for students whose name matches that of the agency

                      Lender figures prompt concerns over impact of interest rate rise on future arrears and repossessions

                      Surveyors report more homes being sold below asking price as buyer enquiries decline

                      Agents do not find London streets are paved with gold

                      Countrywide says full-year performance likely to be towards lower end of market expectations

                      Watchdog tells agents to walk away from certain instructions

                      Wood says he no longer sees value or integrity in NAEA membership

                      No Agent announces almost £900,000 in new funding

                      No claims discount rules

                      THE ARENA Where you can have your say

                      Forums

                      These forums are for you to raise topics for discussion and debate with industry colleagues.

                      It’s also the ideal way to carry on with conversations that start in the comments of news stories.

                      Comment of the week

                      “Communication is a two way street – you have to engage with the organisation to get the most out of it.

                      Propertymark is still by far the largest member organisation representing estate and lettings agents in the UK. Everyone has their own view, and Propertymark may not be perfect, but I still feel it is more beneficial to me and my firm to work with them, rather then against them.”

                      ‘praediumagens79’ in the debate that followed after Chris Wood revealed he is quitting the NAEA

                      No claims discount rulesNo claims discount rulesNo claims discount rulesNo claims discount rulesNo claims discount rulesNo claims discount rulesNo claims discount rulesNo claims discount rulesNo claims discount rulesNo claims discount rulesNo claims discount rulesNo claims discount rulesNo claims discount rulesNo claims discount rules

                      Join 20,000 industry colleagues

                      and subscribe to our free daily news email.

                      Thank you! To complete the subscription, please click the link in the email we just sent you.

                      LATEST FORUM POSTS

                      Where EYE readers can create topics for discussions, debates and exchange of information.

                      Recent Replies

                      • No claims discount rules
                      • No claims discount rules
                      • No claims discount rules
                      • No claims discount rules
                      • No claims discount rules
                      • No claims discount rules
                      • No claims discount rules
                      • No claims discount rules
                      • No claims discount rules
                      • No claims discount rules
                      • No claims discount rules
                      • No claims discount rules
                      • No claims discount rules

                      CLASSIFIED ADS NextPrev

                      No claims discount rules

                      EYE VIDEOS

                      • No claims discount rules
                      • No claims discount rules
                      • No claims discount rules

                      AD FEATURES NextPrev

                      No claims discount rules

                      from Vanessa Warwick of Property Tribes

                      No claims discount rules

                      Best Practice in Estate Agency

                      by Julian O’Dell of TM Training

                      No claims discount rules

                      by Paul Smith. CEO of Spicerhaart.

                      No claims discount rules

                      from legal expert David Smith

                      No claims discount rules

                      All about Talent

                      by Joshua Rayner

                      No claims discount rules

                      The Agent Provocateur

                      No claims discount rules

                      No claims discount rules

                      Good Business Practice

                      No claims discount rules

                      by Christopher Hamer

                      No claims discount rules

                      by Katrine Sporle or The Property Ombudsman

                      Join 20,000 industry colleagues

                      and subscribe to our free daily news email.

                      Thank you! To complete the subscription, please click the link in the email we just sent you.



                      Octagon Car and Van Insurance, no claims discount.#No #claims #discount


                      Car Insurance

                      keeping you on the road

                      No claims discount

                      Van Insurance

                      Great value van insurance

                      keeping you on the road

                      Car Insurance

                      Octagon Insurance offers great value Car Insurance tailored to your needs. The four levels of cover you can choose from are Octagon Standard (comprehensive), Octagon Extra, Octagon Classic, or Third Party, Fire and Theft, so you’ll find the right cover at a price that suits you. Choose from our Optional Extras to enhance your cover, including Legal Expenses Cover, Vehicle Rescue and Extended Personal Accident Cover.

                      Van Insurance

                      Whether your van is for business or personal use, keeping you on the road is our priority. Octagon Van Insurance offers three levels of cover; Comprehensive, Extra (comprehensive) or Third Party, Fire and Theft, to help you find the right cover at a price that suits you or your business. Enhance your cover with our Optional Extras such as Tools in Transit cover, Legal Expenses cover and Vehicle Rescue cover.

                      Contact Us

                      Can’t find what you are looking for?

                      Our friendly UK call centre staff are at hand if you can’t find the answers you are looking for.

                      No Claims Discount

                      Recently taken out a policy through us? Upload your No Claims Discount quickly and easily with our NCD form.

                      My Octagon

                      Manage your insurance policy at your convenience with My Octagon. You can access your insurance documents online, whenever you might need them. Go paperless with My Octagon.*

                      *For existing customers only.

                      No claims discount No claims discount

                      One Quote Direct Insurance Services Limited trading as Octagon Insurance Services is an appointed representative of Europa Group Limited and acts as a credit broker and not a lender in relation to premium finance contracts. Registered as a limited company in England and Wales No. 5479983. Europa Group Limited is authorised and regulated by the Financial Conduct Authority, Financial Services Register No. 309794. Registered office: Europa House, Midland Way, Thornbury, Bristol, BS35 2JX.

                      Customers with a policy that started on or before 31st December 2016 can continue to use this website as usual.

                      Customers with a policy that renewed on or after 1st January 2017 the details on this website will not be relevant to your policy, please see your renewal pack for further information.



                      Octagon Car and Van Insurance, no claims discount.#No #claims #discount


                      Car Insurance

                      keeping you on the road

                      No claims discount

                      Van Insurance

                      Great value van insurance

                      keeping you on the road

                      Car Insurance

                      Octagon Insurance offers great value Car Insurance tailored to your needs. The four levels of cover you can choose from are Octagon Standard (comprehensive), Octagon Extra, Octagon Classic, or Third Party, Fire and Theft, so you’ll find the right cover at a price that suits you. Choose from our Optional Extras to enhance your cover, including Legal Expenses Cover, Vehicle Rescue and Extended Personal Accident Cover.

                      Van Insurance

                      Whether your van is for business or personal use, keeping you on the road is our priority. Octagon Van Insurance offers three levels of cover; Comprehensive, Extra (comprehensive) or Third Party, Fire and Theft, to help you find the right cover at a price that suits you or your business. Enhance your cover with our Optional Extras such as Tools in Transit cover, Legal Expenses cover and Vehicle Rescue cover.

                      Contact Us

                      Can’t find what you are looking for?

                      Our friendly UK call centre staff are at hand if you can’t find the answers you are looking for.

                      No Claims Discount

                      Recently taken out a policy through us? Upload your No Claims Discount quickly and easily with our NCD form.

                      My Octagon

                      Manage your insurance policy at your convenience with My Octagon. You can access your insurance documents online, whenever you might need them. Go paperless with My Octagon.*

                      *For existing customers only.

                      No claims discount No claims discount

                      One Quote Direct Insurance Services Limited trading as Octagon Insurance Services is an appointed representative of Europa Group Limited and acts as a credit broker and not a lender in relation to premium finance contracts. Registered as a limited company in England and Wales No. 5479983. Europa Group Limited is authorised and regulated by the Financial Conduct Authority, Financial Services Register No. 309794. Registered office: Europa House, Midland Way, Thornbury, Bristol, BS35 2JX.

                      Customers with a policy that started on or before 31st December 2016 can continue to use this website as usual.

                      Customers with a policy that renewed on or after 1st January 2017 the details on this website will not be relevant to your policy, please see your renewal pack for further information.



                      No Claims Discount Explained – Car Insurance – Tesco Bank, no claims discount.#No #claims #discount


                      No claims discount explained

                      A no claims discount (NCD) – or no claims bonus (NCB) – that a policyholder has accumulated over time can help lower the cost of car insurance. The amount saved is proportionate to the consecutive number of years that a person has held a policy in their name without making a claim. Brand new drivers setting up a policy for the first time will start with zero no claims discount, but, according to the Association of British Drivers, even a year’s worth can lead to reductions of up to 30 percent. Some insurers will offer incentives to help policyholders accelerate their savings potential – earning a year’s no claims discount in just 10 months, for example.

                      The longer you go without making a claim, the less risk the insurance company feels they are taking on your policy, and therefore the larger the discount. Every type of insurance policy (third party only, third party fire and theft, and fully comprehensive) can accumulate a no claims bonus.

                      On average, insurance companies will limit the discount permitted to five years – which can still result in savings of up to 60 percent. Some may allow more, but the way this discount is factored in and at which point in the calculation it is applied may vary, leading to different results.

                      Just one no claims discount may be used per policy, so it will not be possible to use a single discount and apply it to multiple cars. If you are looking to insure more than one car through the same insurer, however, they may take this into consideration.

                      What happens if my car is in an accident or stolen?

                      In the event of an accident, unless the insurance provider can recover all of its costs from another party, such as the driver who may be at fault, then some or all of the no claims will be lost. If the accident involves a third party, but the driver at fault cannot be determined, then the costs will be split, and again the no claims will be affected.

                      The same applies if a car is stolen, as the insurance provider will be unable to recoup its costs from another company, and therefore the no claims discount will be at risk.

                      It is worth looking into the kind of claims that can affect the discount, as some policies will allow for windscreen damage, keeping the no claims bonus intact. In the case of minor damage, where the cost of the repair is small, it may be better to pay the amount yourself rather than going through the insurer, as a claim will mean a reduced discount.

                      How insurance providers lower a no claims discount in the event of a claim may vary. For example, if the full amount of five years has been achieved, and it is the driver’s first accident, it may be reduced to a set amount, such as two years.

                      Can I protect my no claims discount?

                      By paying a small fee to the provider, the full discount will remain if a claim is made. It’s likely this fee will be less than the discount available by having five years of no claims, although there may be limits in terms of how often the protection can be used, and two claims or more per year may still have an effect. Paying for no claims protection does not prevent the price of the policy from increasing later on.

                      What about named drivers and no claims discount?

                      Usually it is only the policyholder who accumulates the no claims discount, but some insurance providers will also allow named drivers to build theirs. This can be useful if that person eventually wants to buy their own car, as they can use their no claims status for their own insurance, but often this will only apply if using the same company. If a policy lists any named drivers and they have an accident, this can still affect the no claims discount of the policyholder.

                      Can I take my no claims discount to a different provider?

                      When an insurance policy is due for renewal or has expired, proof of a no claims discount will be available from the provider, to be considered by a different company if necessary. Most insurers will only accept a no claims accumulated within the UK, but it is worth asking about this.



                      No-claims bonuses and no-claims discounts explained – are you one of the millions paying for nothing? Mirror Online, no claims discount.#No #claims #discount


                      No-claims bonuses and no-claims discounts explained – are you one of the millions paying for nothing?

                      20million motorists pay to protect their no-claims bonus – and spend hundreds of their own cash to avoid making a claim – but they might just be wasting their money. Here are the facts

                      • Share
                      • Comments
                      • 11:04, 27 SEP 2016
                      • Share
                      • Comments

                      The longer you go without making a claim, the cheaper your car insurance becomes. But while millions of people pay extra to protect their ‘no claims’ discount, many might be simply wasting their cash.

                      That’s because most are paying for a product they don’t fully understand out of fear.

                      Figures from Swinton Insurance show 56% of drivers don’t understand how a no-claims bonus is different from a no-claims discount; while 45% of the people paying for no-claims bonus protection don’t understand where there money goes.

                      Read More

                      Ways we’re paying more

                      No claims discount

                      When Swinton investigated, they discovered that this misunderstanding meant people were paying out of their own pockets in order to protect their no-claims discount – even though doing so in many cases has absolutely no affect on your premium.

                      On average that meant spending 251 more than they would have if they’d just claimed.

                      On top of that, some 19% of drivers didn’t know that you can keep your no-claims bonus while moving to a new insurer – potentially seeing them overpay rather than switch to a cheaper provider.

                      Read More

                      The tricks to cheaper car insurance

                      No claims discount

                      No claims discount

                      No claims discount

                      No claims discount

                      No claims discount

                      No claims discount

                      No claims discount

                      The facts

                      No claims bonus – the number of claim-free years that you have held an insurance policy in your own name. It can only be used on one vehicle at a time

                      No claims discount – how much money you get taken off your annual premium as a result of your no claims bonus. The discount varies by insurer, but can be worth up to 60%

                      Read More

                      If you have an accident

                      No claims discount

                      If the accident is not your fault, your no-claims bonus is not affected as long as the insurer gets money back from the person responsible.

                      In this instance it doesn’t matter whether you have paid to protect your no-claims discount or not.

                      If the accident is your fault, you will lose your no-claims bonus – unless you have paid to protect it.

                      However, regardless of whether the accident is your fault or not, or whether you have paid to protect your no claims bonus or not, your insurance can still rise.

                      That’s because insurers apply the discount AFTER calculating the premium – and following an accident premiums nearly always rise.



                      Car insurance claims, AA, no claims discount explained.#No #claims #discount #explained


                      Car insurance claims

                      We’re here for you 24/7

                      Call us on 0800 269 622

                      If you’re unfortunate enough to have an accident, injury, loss or damage regardless of fault, call us on 0800 269 622 to make a claim. Please have your details ready when calling.

                      If your car has been stolen, you’ll need to get a crime reference number from the police.

                      When you call AA Claimline, your personal claim advisor will explain all the available options, and assist you through every step of the claims process. Then, once the incident report has been completed, you will be passed to either your insurer or ClaimFast (our preferred accident management company) to progress your claim.

                      Your AA personal claim advisor will contact you in a week to discuss how your claim is progressing, and see if we can be of any assistance.

                      Windscreen claims

                      Our comprehensive car insurance includes glass cover.

                      So if you have comprehensive cover and need to make a glass claim, call us on 0800 269 622. A specialist technician will repair or replace your glass as quickly as possible.

                      You’ll need pay the excess shown in the endorsements section of your certificate of insurance, but your no claims discount won’t be affected.

                      What should I do after an accident?

                      Here’s our advice if you’ve had an accident

                      The accident

                      Accident aware

                      Ensure you’re prepared for the worst by keeping a pen and paper, a first aid kit and a torch in the car.

                      When you call to make a car insurance claim, we’ll need your personal details, description of the accident, where you are, and contact details of any third party, including passengers and witnesses.

                      What should I do straight after an accident?
                      • Try and pull into a safe place and put on the hazard warning lights.
                      • If you’re on a motorway and can pull onto the hard shoulder, turn your front wheels towards the verge and get out of your car on the passenger side.
                      • Keep your sidelights on if it’s dark or visibility is poor.
                      • Attend to anyone that has been hurt and call an ambulance if necessary.
                      • Call the police and obtain an incident number. If you’re on a motorway hard shoulder and don’t have a mobile phone, follow the posts at the edge of the hard shoulder to an emergency phone, which calls directly to the police.
                      • Assess the damage to your car.
                      The accident involved a collision with another driver

                      In a collision with one or more drivers, stay calm and don’t admit fault or liability if another driver admits fault, please tell us.

                      • Exchange details with the other driver(s): name, address, phone number, car registration number, insurance company details and policy number.
                      • Record names, addresses and phone numbers of witnesses.
                      • Write down how the accident happened, including sketches if it helps. If you’ve a camera and if it’s safe to do so take photos of the scene and damage to vehicles.

                      Then report the accident to the 24-hour AA Claimline as soon as possible 0800 269 622.

                      Following the accident

                      Who will deal with my claim?

                      Your AA personal claim advisor will record the details of your claim and explain all the available options. They’ll tell you what your policy covers, including the use of a replacement vehicle.

                      The claim advisor will also check if you have purchased any optional upgrades, and make sure you benefit from these where applicable.

                      If you’re unable to continue your journey we’ll tell you if your policy covers travelling expenses to reach your destination, or if necessary hotel accommodation for one night.

                      If you or your passengers suffer injury as a result of the accident and it was not your fault, we can put you in touch with our expert panel of solicitors to deal with your injury claim.

                      Your AA personal claim advisor will be on hand should you have any questions about the claims process. They will contact you during the claims process to make sure everything is progressing well, and provide any assistance you need.

                      Depending on the accident circumstances, your claim will be dealt with by ClaimFast (our preferred accident management company) or your insurer. Your insurer’s details are included in your Certificate of Motor Insurance.

                      What happens to my car if it’s repairable

                      Both your insurer and ClaimFast have a network of approved repair garages throughout the UK. They will contact you to arrange repair work to your vehicle, and provide a replacement vehicle for the duration of the repairs.

                      All repairs are guaranteed for a minimum of 3 years and use manufacturer approved parts. We’ll collect and return your car to you, and even clean it inside and out.

                      Your approved repairer will tell you when the repairs have been completed, and your policy excess must be paid to the repairer upon completion (not applicable where ClaimFast is managing the claim).

                      If you wish to use your own repair garage this must be discussed with your insurer. If approved by them, the repairs are not guaranteed and a replacement vehicle for duration of the repairs will not be provided.

                      What happens to my car if it’s written off

                      If it’s uneconomic to repair your car then your insurer will pay you its market value before the accident. The insurer’s engineer will determine its market value by checking motor trade guides (eg Glass’s), taking into account the model, age, mileage and condition of your car, and any extras that are fitted.

                      We’ll replace the vehicle with a new one if you’re the first and only registered keeper, and your car is less than 13 months old.

                      If you have purchased our AA Car Hire policy and haven’t already spoken to AA Claimline team to arrange a hire vehicle please call 0800 269 622. Once arranged, your AA personal claim advisor will keep you informed on the progress of your claim, and confirm when the hire vehicle will need to be returned.

                      What if I’ve been injured in the accident?

                      If you or your passengers have suffered any form of injury as a result of the accident, which you don’t believe to be your fault, we may be able to provide you with a solicitor.

                      Finding fault

                      What if the accident wasn’t my fault?

                      If you’ve been involved in an accident which is 100% not your fault, ClaimFast may be able to authorise repairs to your vehicle without the need for an excess fee, and your no claims discount may not be affected.

                      ClaimFast may also be able to provide a replacement car similar to your own for the duration of repairs, or for up to 7 days after a settlement from your insurer, if your vehicle is a total loss.

                      What if the accident was my fault?

                      If you have comprehensive cover, your insurer will arrange repairs to your vehicle or negotiate a settlement if the vehicle is a total loss. The insurer will also meet the cost of the third-party claim.

                      What should I do if the other party contacts me?

                      If you receive any correspondence from the third party, their insurer or solicitor, forward it unanswered to your own insurer or ClaimFast, depending on who’s dealing with your claim. They’ll respond on your behalf.

                      What if the other driver disputes the accident circumstances?

                      Your insurer will always do their very best to obtain an admission of liability from the other driver or their insurer.

                      Policy excess explained

                      What is excess?

                      An excess fee is the first ‘portion’ of a claim which you pay, regardless of blame, when your vehicle is repaired or it’s a total loss. The excess is individual to each policy and, in the event of a claim, you only ever have to pay your own excess fee.

                      Where can I find information about my excess fee?

                      Your excess fee should be on the back of your insurance certificate in the endorsements section.

                      Who do I pay my excess fee to?

                      If your vehicle is repairable, you’ll need to pay your excess fee direct to the repairer. In the event your vehicle is a total loss, stolen or not recovered, your insurer will deduct any applicable excess fees from the settlement issued to you.

                      Motor Legal Assistance claim
                      Reporting a Motor Legal Assistance claim

                      If you have not already spoken to AA Claimline about claiming for your uninsured losses please call us on 0370 566 3663.

                      We’ll advise what you need to document in order to keep any losses to a minimum and to recover these losses.

                      Recovery of uninsured losses

                      If you took out Motor Legal Assistance, or it is included as standard with your AA car insurance policy, you’ll be covered up to 50,000 of legal costs to recover losses from the party at fault that cannot be claimed from any other insurance policy.

                      We’ll help you recover losses.

                      Get up to 50,000 in legal assistance to reclaim:

                      • Car insurance policy excess.
                      • Alternative transport costs.
                      • Loss of earnings.
                      • Compensation for injuries received in an accident.


                      Car insurance claims, AA, no claims discount explained.#No #claims #discount #explained


                      Car insurance claims

                      We’re here for you 24/7

                      Call us on 0800 269 622

                      If you’re unfortunate enough to have an accident, injury, loss or damage regardless of fault, call us on 0800 269 622 to make a claim. Please have your details ready when calling.

                      If your car has been stolen, you’ll need to get a crime reference number from the police.

                      When you call AA Claimline, your personal claim advisor will explain all the available options, and assist you through every step of the claims process. Then, once the incident report has been completed, you will be passed to either your insurer or ClaimFast (our preferred accident management company) to progress your claim.

                      Your AA personal claim advisor will contact you in a week to discuss how your claim is progressing, and see if we can be of any assistance.

                      Windscreen claims

                      Our comprehensive car insurance includes glass cover.

                      So if you have comprehensive cover and need to make a glass claim, call us on 0800 269 622. A specialist technician will repair or replace your glass as quickly as possible.

                      You’ll need pay the excess shown in the endorsements section of your certificate of insurance, but your no claims discount won’t be affected.

                      What should I do after an accident?

                      Here’s our advice if you’ve had an accident

                      The accident

                      Accident aware

                      Ensure you’re prepared for the worst by keeping a pen and paper, a first aid kit and a torch in the car.

                      When you call to make a car insurance claim, we’ll need your personal details, description of the accident, where you are, and contact details of any third party, including passengers and witnesses.

                      What should I do straight after an accident?
                      • Try and pull into a safe place and put on the hazard warning lights.
                      • If you’re on a motorway and can pull onto the hard shoulder, turn your front wheels towards the verge and get out of your car on the passenger side.
                      • Keep your sidelights on if it’s dark or visibility is poor.
                      • Attend to anyone that has been hurt and call an ambulance if necessary.
                      • Call the police and obtain an incident number. If you’re on a motorway hard shoulder and don’t have a mobile phone, follow the posts at the edge of the hard shoulder to an emergency phone, which calls directly to the police.
                      • Assess the damage to your car.
                      The accident involved a collision with another driver

                      In a collision with one or more drivers, stay calm and don’t admit fault or liability if another driver admits fault, please tell us.

                      • Exchange details with the other driver(s): name, address, phone number, car registration number, insurance company details and policy number.
                      • Record names, addresses and phone numbers of witnesses.
                      • Write down how the accident happened, including sketches if it helps. If you’ve a camera and if it’s safe to do so take photos of the scene and damage to vehicles.

                      Then report the accident to the 24-hour AA Claimline as soon as possible 0800 269 622.

                      Following the accident

                      Who will deal with my claim?

                      Your AA personal claim advisor will record the details of your claim and explain all the available options. They’ll tell you what your policy covers, including the use of a replacement vehicle.

                      The claim advisor will also check if you have purchased any optional upgrades, and make sure you benefit from these where applicable.

                      If you’re unable to continue your journey we’ll tell you if your policy covers travelling expenses to reach your destination, or if necessary hotel accommodation for one night.

                      If you or your passengers suffer injury as a result of the accident and it was not your fault, we can put you in touch with our expert panel of solicitors to deal with your injury claim.

                      Your AA personal claim advisor will be on hand should you have any questions about the claims process. They will contact you during the claims process to make sure everything is progressing well, and provide any assistance you need.

                      Depending on the accident circumstances, your claim will be dealt with by ClaimFast (our preferred accident management company) or your insurer. Your insurer’s details are included in your Certificate of Motor Insurance.

                      What happens to my car if it’s repairable

                      Both your insurer and ClaimFast have a network of approved repair garages throughout the UK. They will contact you to arrange repair work to your vehicle, and provide a replacement vehicle for the duration of the repairs.

                      All repairs are guaranteed for a minimum of 3 years and use manufacturer approved parts. We’ll collect and return your car to you, and even clean it inside and out.

                      Your approved repairer will tell you when the repairs have been completed, and your policy excess must be paid to the repairer upon completion (not applicable where ClaimFast is managing the claim).

                      If you wish to use your own repair garage this must be discussed with your insurer. If approved by them, the repairs are not guaranteed and a replacement vehicle for duration of the repairs will not be provided.

                      What happens to my car if it’s written off

                      If it’s uneconomic to repair your car then your insurer will pay you its market value before the accident. The insurer’s engineer will determine its market value by checking motor trade guides (eg Glass’s), taking into account the model, age, mileage and condition of your car, and any extras that are fitted.

                      We’ll replace the vehicle with a new one if you’re the first and only registered keeper, and your car is less than 13 months old.

                      If you have purchased our AA Car Hire policy and haven’t already spoken to AA Claimline team to arrange a hire vehicle please call 0800 269 622. Once arranged, your AA personal claim advisor will keep you informed on the progress of your claim, and confirm when the hire vehicle will need to be returned.

                      What if I’ve been injured in the accident?

                      If you or your passengers have suffered any form of injury as a result of the accident, which you don’t believe to be your fault, we may be able to provide you with a solicitor.

                      Finding fault

                      What if the accident wasn’t my fault?

                      If you’ve been involved in an accident which is 100% not your fault, ClaimFast may be able to authorise repairs to your vehicle without the need for an excess fee, and your no claims discount may not be affected.

                      ClaimFast may also be able to provide a replacement car similar to your own for the duration of repairs, or for up to 7 days after a settlement from your insurer, if your vehicle is a total loss.

                      What if the accident was my fault?

                      If you have comprehensive cover, your insurer will arrange repairs to your vehicle or negotiate a settlement if the vehicle is a total loss. The insurer will also meet the cost of the third-party claim.

                      What should I do if the other party contacts me?

                      If you receive any correspondence from the third party, their insurer or solicitor, forward it unanswered to your own insurer or ClaimFast, depending on who’s dealing with your claim. They’ll respond on your behalf.

                      What if the other driver disputes the accident circumstances?

                      Your insurer will always do their very best to obtain an admission of liability from the other driver or their insurer.

                      Policy excess explained

                      What is excess?

                      An excess fee is the first ‘portion’ of a claim which you pay, regardless of blame, when your vehicle is repaired or it’s a total loss. The excess is individual to each policy and, in the event of a claim, you only ever have to pay your own excess fee.

                      Where can I find information about my excess fee?

                      Your excess fee should be on the back of your insurance certificate in the endorsements section.

                      Who do I pay my excess fee to?

                      If your vehicle is repairable, you’ll need to pay your excess fee direct to the repairer. In the event your vehicle is a total loss, stolen or not recovered, your insurer will deduct any applicable excess fees from the settlement issued to you.

                      Motor Legal Assistance claim
                      Reporting a Motor Legal Assistance claim

                      If you have not already spoken to AA Claimline about claiming for your uninsured losses please call us on 0370 566 3663.

                      We’ll advise what you need to document in order to keep any losses to a minimum and to recover these losses.

                      Recovery of uninsured losses

                      If you took out Motor Legal Assistance, or it is included as standard with your AA car insurance policy, you’ll be covered up to 50,000 of legal costs to recover losses from the party at fault that cannot be claimed from any other insurance policy.

                      We’ll help you recover losses.

                      Get up to 50,000 in legal assistance to reclaim:

                      • Car insurance policy excess.
                      • Alternative transport costs.
                      • Loss of earnings.
                      • Compensation for injuries received in an accident.


                      Is it worth paying to protect your no-claims discount, no claims discount explained.#No #claims #discount #explained


                      Is it worth paying to protect your no-claims discount?

                      No claims discount explained

                      By Linda Harrison

                      8:00AM BST 13 Jun 2013

                      Buying car insurance is anything but straightforward. Trawling through seemingly endless insurance products can make your head swim. And it gets more complicated when you consider additional charges. For example, is it worth paying extra to protect your no claims discount?

                      According to research by MoneySupermarket, by not protecting your no claims discount (NCD) or no claims bonus your premium could rise by 30 per cent if you make a claim. However, protecting a five-year NCD adds £23 on average to annual premiums. So if you stay claim-free, you’ll end up out of pocket.

                      “Having reached the ‘Holy Grail’ of five years no claims discount, many motorists will be reluctant to run the risk of losing it and may consider paying extra to protect it,” says Peter Harrison, car insurance expert at MoneySupermarket.

                      “Building up your NCD over a number of years can be a valuable commodity and can help reduce the cost of your premiums. But be warned, if you protect your policy but don’t make a claim for a number of years, you could find that you’re eroding any potential savings.”

                      And thinking ‘I’m a careful driver’ isn’t a watertight reason for not protecting that valuable NCD. As Gemma Richards, motoring offences expert at law firm Barlow Robbins, points out: “People need to be aware it’s not just their own actions on the road that count. If you’re hit by an uninsured driver, even if it isn’t your fault, you could lose your no claims discount if you don’t comply with the small print of your insurance policy.”

                      Related Articles

                      Car enthusiast Oliver Chesher, 36, is a firm believer in protecting a NCD. The PR agency director from Cheshire says: “I’ve had a protected no claims bonus for more than 15 years because I learned my lesson with one or two minor scrapes when I was a teenager and have been ultra-careful ever since. I now drive a very fast Alfa Romeo and I dread to think what the going rate to insure it would be if I didn’t have the full no claims.

                      “The protection hasn’t saved me money, it’s cost me money, but I’ll never stop the protection.”

                      But having a protected NCD doesn’t make drivers invincible as George Brown, an accountant from Leamington Spa, recently discovered. Last September he made his first claim when something fell from a lorry and hit his car. Four months later, he drove into the back of a stationary car his fault and his second claim. Then in March this year he hit a deer on a country road.

                      “It was my third claim in quick succession,” says George, 31. “My next quote for insurance has increased from £600 to £1,100 per year.

                      “I’ve paid an extra £200 to have my no claims bonus protected over five years. This was not only to no avail but my next premium will increase by £500 and will continue to be high for years to come. As two of the incidents were no fault of my own, I would like to see a bit more leeway from the insurance companies on only two claims allowed in three years.”

                      So is it worth it?

                      It’s difficult to get an answer to this because all insurers are different as are drivers’ circumstances. Peter Harrison says that for, say, a driver with 20 years no claims who hasn’t had an accident, it’s definitely worth protecting it. But for most drivers it’s more complicated.

                      If you’re still mystified, you’re not alone. The Daily Telegraph’s Honest John says: “I remain completely unable to understand what a ‘protected no claims discount’ actually is.

                      “As far as I can gather, most readers involved in claims seem to have been penalised with increased premiums the next year, whether the claim was their fault or not and whether they had ‘NCD protection’ or not. What ‘NCD protection’ now is has never been satisfactorily explained to me, which is why I cannot satisfactorily explain it to baffled and furious readers.”

                      If you’re considering NCD protection, the advice is to shop around. And when getting insurance quotes, do one search with the extra cover and one without and then study the price differential.

                      Also, read the small print. If you make a claim, many insurers adopt a sliding scale when reducing a NCD although again this depends on the company.

                      “Finally, motorists should remember it’s the discount they’re paying to protect, not the amount of the actual insurance premium,” says Harrison. “If you do make a claim, it’s likely premiums will rise as a result anyway. But it will protect you more than if you had nothing at all.”



                      No claims discount explained, no claims discount rules.#No #claims #discount #rules


                      No claims discount explained

                      No claims discount rules

                      by Kevin Pratt

                      Consumer affairs expert

                      Thursday 28 May 2015

                      Save money on your car insurance

                      The no-claims discount you get on your car insurance is a reward for safe driving – and can cut the cost of your car insurance by as much as 75% with most insurers. So it’s good to know that you can take your discount with you when you switch insurers.

                      How many no-claims discount years will my new insurer honour?

                      Work out how many of the years you’ve built up will be recognised

                      Pick your insurer

                      Sorry! Please pick an insurer.

                      Maximum number of

                      With most insurers, the size of discount you can achieve increases until you have built up five NCD years, at which point the maximum discount percentage is achieved. Despite this, some companies continue to recognise if you go further years without making a claim – but they don’t increase the size of your discount (or at least not by much).

                      However, it can still be helpful. If your insurance company recognises up to, say, nine years of claims-free driving and you have an accident, you might lose two years and drop back to seven. As that’s still higher than five, making a claim would not jeopardise your discount.

                      Other companies will always drop you back to three years after an accident, regardless of your number of years claims-free.

                      Maximum No Claims

                      The amount of discount earned increases with each year of claim-free driving.

                      So after one year you might get 30%, with the percentage increasing each year until you get 70% NCD after five years.

                      Most firms offer a maximum NCD of 70%, although some offer 75% or 80%.

                      Does it have an

                      Accelerated Bonus Scheme?

                      Some insurance companies offer drivers with no NCD an accelerated bonus scheme, which awards a year’s NCD after 10 months claims-free driving.

                      After 10 months, you can either renew with the same firm, or move to another firm with the one-year bonus intact.

                      Save money on your car insurance

                      Car insurance is a hefty expense, but there’s a good chance you can save money by shopping around rather than staying with the same firm at renewal. Loyalty doesn’t pay!

                      Get a car insurance quote

                      Understand your no claims discount

                      Here’s how it works. Most insurers offer a premium discount for every year without a claim, usually up to a maximum of five years. For example, you might earn a 30% discount on next year’s premium, if you do not make a claim in the previous year. Drivers who can boast five consecutive claim-free years can expect a discount of as much as 75% – or even more in some cases. The size of the discount, sometimes called a bonus, varies from insurer to insurer. Companies also calculate the discount in different ways. A number of firms even allow the discount to build up over 10 years or offer an ‘accelerated’ discount or bonus, where the discount applies after 10 months instead of 12.

                      Making a claim

                      It’s worth finding out what would happen to your discount if you put in a claim as you won’t necessarily forfeit the full amount. For example, if you have built up a discount over five years and make a claim in year six, you might lose only two years of discount. So, when you come to renew your car insurance, you would benefit from a three-year bonus. Remember that your insurance premium can still go up at renewal even if you don’t make any claims. That’s because the driver’s claims history is only one element in the premium calculation. Insurers also take into account factors such as your address and mileage, when they quote for cover. That’s why it’s always important to shop around when you renew, to make sure you’re getting the most competitive price for the cover you want.

                      Discount portability

                      If this has happened to you, or you have any questions about no claims discounts, drop us a line in the box below.

                      Named drivers

                      Did you enjoy that? Why not share this article



                      A crash course in bizarre no-claims discount rules on car insurance, no claims discount rules.#No #claims #discount #rules


                      A crash course in bizarre no-claims discount rules on car insurance

                      No claims discount rules

                      No claims discount rules

                      8:01AM BST 11 Jun 2014

                      One day last September, Charlene Green was driving down a motorway near Manchester when she was involved in an accident.

                      A driver in front hit the brakes and Ms Green’s white Audi A3 went into the back of the car. No one was hurt but the damage cost Ms Green, 28, a £400 excess fee while her insurer, Churchill, covered the remaining costs.

                      But when Ms Green’s insurance came up for renewal in November, she discovered that the accident had also ruined a no-claims discount she had built up over eight years.

                      If a driver does not make a claim on their motor insurance, they can build up a discount that can reduce their annual premium by as much as 80pc. Figures from Moneysupermarket.com comparing four insurance policies show an average drop of £150 over five years.

                      Most claims on an insurance policy knock two years off this discount, but typically insurers consider only the past five years in the event of a claim.

                      Related Articles

                      In Ms Green’s case, this meant her no-claims discount (NCD) was cut from eight years to three. A customer driving without a claim for 15 years could see 12 years knocked off their record after one crash.

                      “I was renewing with Churchill every year and my premium was steadily going down,” said Ms Green, who is a nurse and preferred not to be photographed for this piece. It has now risen by nearly £10 a month.

                      A spokesman for Churchill said: “Churchill offers an 80pc discount as an introductory offer for new customers who have eight years’ or more NCD, and continue to reward up to nine years’ NCD for existing customers who remain claim-free.

                      “However, unless a customer has protected their NCD, if they make a claim and they have over five years’ NCD this will be reduced to three years’ NCD after a first claim.”

                      Angela Pilley of the financial research company Defaqto said: “Insurers have a maximum level of no-claims discount that they consider, which they classify as a ‘step back’ period.”

                      She said policies should include details of the no-claims discount and how it is calculated, but the terms vary among insurers.

                      “It is a very difficult subject because every insurance company applies different levels [of discount] in terms of the percentage discount they offer customers, how you protect your no-claims discount, and the number of incidents it covers,” she said. “It varies across the board so widely that each individual has to know their own circumstances and read the policy wording.”

                      The Telegraph approached a number of leading insurers to compare their no-claims policies (see table below). Swiftcover, LV= and Aviva disclosed their maximum level of discount available, ranging from 65pc to 79.5pc.

                      In terms of how the no-claims discount is cut following a claim, the industry standard is to deduct two years for each claim. However, since in most cases only five years are considered, typically customers will have a maximum of three years’ no-claims discount taken into account after one claim.

                      Allianz will honour the two-year reduction based on the total number of claim-free years, up to a maximum of eight years. Swiftcover offers customers a maximum of four years’ no-claims discount at renewal after one claim, for drivers with a clean insurance record of six years or more, while LV= puts customers with nine years’ no-claims discount back to four years, and customers with eight years or less back to three.

                      It gets more complicated when a driver considers paying extra to protect their no-claims discount. This add-on allows drivers to claim a certain number of times but still maintain the discount on their premium.

                      Insurers differ in how they calculate the cost of this protection, and how many claims it will cover. LV= said its customers typically paid between 5pc and 15pc of their car insurance premium to protect their no-claims discount, but other insurers simply said the figure would vary.

                      According to Moneysupermarket, customers who do not protect their no-claims bonus could see their premiums rise by 30pc in the event of a claim. However, drivers who protect their discount but don’t make a claim for a number of years could see their savings eroded.

                      Kevin Pratt, an insurance expert at Moneysupermarket, said: “It’s crucial for motorists to understand the costs involved with premiums. Additional fees for protecting a no-claims discount entirely depend on your personal circumstances and motoring history, as well as the provider.”

                      If drivers are considering NCD protection, the advice is to shop around. It is important to compare quotes with and without the extra cover and to read the small print.

                      Mr Pratt said: “Finally, motorists should remember it is the discount they are paying to protect, not the premium amount. So if you do make a claim, it is likely that premiums will rise as a result anyway.”

                      No claims discount rulesHonest John

                      I have never received a satisfactory explanation from insurers why, after a claim, a policyholder with a “protected no-claims discount” still finds his or her premium going up by considerably more than the normal annual increase.

                      A reasonable man would think that if he paid extra for his insurance policy’s “no-claims discount” to be protected, then he would not see his premium increased considerably after a claim, whether the claim was his “fault” or not.

                      I’ve been offered the argument that the claim makes the policyholder a statistically greater risk, so his premium rises considerably as a result, and his “protected no-claims discount” then brings it back to a smaller increase. But that still makes no sense to me. A “protected no-claims discount” should be what it says on the paperwork.

                      Because car insurance in Britain is compulsory, it’s crawling with crooks and unnecessary complications, few of which make any sense other than to provide income for the leeches that feed off them. The UK motor insurance business should be torn up and reformed along the lines of other countries where cars are insured rather than drivers. Then ridiculous situations such as visitors not being able to get insurance to drive their hosts’ cars would not arise.

                      Honest John is the Telegraph’s cars expert

                      lt;noframes gt;Datatable: How no claims discount policies compare lt;/noframes gt;



                      Home Insurance No Claims Discount, no claims discount.#No #claims #discount


                      No Claims Discount

                      By Les Roberts on Friday 27 November 2015

                      No claims discount

                      Home insurance: no claims discount

                      Most home insurance providers will reward you with a no claims discount (NCD) if you go for a year or more without making a claim on your policy.

                      The reduction after one year is often up to 30%, while those who do not make a claim for five or more years, can NCDs qualify for up to an incredible 70% of their home insurance premium.

                      Keeping your no claims discount

                      The savings on offer mean that it can sometimes be worth paying for say accidental damage to your belongings, or a small theft, yourself – rather than making a claim.

                      After all, even a small claim can wipe out your entire NCD, and the extra you have to pay as a result could easily mean you lose out overall (especially as you will have to pay the excess towards the cost of any claim).

                      The good news, however, is that most home insurance providers will offer new customers an NCD based on their claims record with their previous insurer (or insurers). This means you can keep benefiting from your no claims discount while shopping around for the best deal on your home insurance.

                      If you have buildings and contents cover with the same insurer, it is also worth knowing that a claim on one policy should not affect your NCD on the other one. That said, it is a good idea to check the small print before making a claim, just in case.

                      As NCDs are in the policyholder’s name, couples should also protect themselves by taking out their insurance in joint names.

                      Protecting your no claims discount

                      Once you have a clean claims record lasting for at least four years, some insurance companies will allow you to protect the NCD you have built up as a result.

                      You will have to pay for this but it could prove worthwhile, as it will mean that you can make one or more small claims without endangering the discount you have accumulated over the years.

                      The other way to protect your NCD, of course, is to avoid making a claim on your home insurance

                      The other way to protect your NCD, of course, is to avoid making a claim on your home insurance. Steps that you can take to do this include improving your home security by installing a burglar alarm and window locks and insulating pipes and tanks so that they do not freeze in the winter.

                      Those living in flood risk areas should also look at investing in flood prevention products such as sandbags to reduce the likelihood of floodwater making it into their homes.

                      Did you find this helpful? Why not share this article?



                      How to get proof of no claims discount, MoneySupermarket, no claims discount.#No #claims #discount


                      How to get proof of your no claims discount

                      No claims discount

                      by Mark Hooson

                      Online and tech expert

                      Tuesday 11 Jul 2017

                      Save money on your car insurance

                      Orignally published March 14th 2016

                      When switching insurers you’ll need to provide your new insurer with proof you’ve built up as many years worth of no claims discount as you say you have – and it’s not always as straightforward as you might think.

                      So here’s how to get proof of your no claims discount.

                      What is no claims discount (NCD)?

                      For every year you drive without making a claim on your car insurance your insurer will give you one year’s no claims discount (NCD) that will give you a reduction on the price of your policy.

                      Also known as no claims bonus (NCB), these discounts are accumulated each year – the more years you drive without making a claim, the greater the reduction in the cost of your car insurance.

                      A word of warning though, both the discount offered and the maximum number of years’ worth of NCD you can accrue varies from insurer to insurer, so be aware of this when switching.

                      How long is proof of no claims valid for?

                      Proof of no claims is usually only valid for two years, which means if you’re off the road for any reason or don’t have your own policy for more than two years, you’ll be back to zero NCD the next time you take out cover.

                      How to get proof of no claims discount (NCD)

                      At MoneySuperMarket, we recommend drivers not to renew automatically every year with the same firm but to check whether it’s worth switching provider. This is usually the case, as insurers tend to reserve their best prices for new customers rather than existing ones.

                      As and when you do make the switch your new insurer to ask for proof of no claims discount. The problem is, you’ll most likely have to get that proof from your last insurer, and each company handles this process differently.

                      One company might include your proof of no claims in your renewal or cancellation letter, another might send a specific proof of no claims discount letter, while a third company might only send proof if you request it.

                      We rang around a number of insurers to get find out how you’re meant to get hold of your proof of NCD and whether any of them send the proof out automatically. Here’s what they had to say.

                      What to do when you have your proof of NCD

                      Once you’ve got your proof of no claims discount in hand – whether that’s a letter, in an email or a PDF – there are stringent rules about getting it to your new insurer which, if broken, can leave you out of pocket or worse, uninsured.

                      To make sure you’re not caught out, here’s a look at some of the things to watch out for when you change car insurance providers and have to provide proof of no claims discount.

                      1. Your annual renewal letter may serve as proof of no claims discount, so hang on to it. Saga, Santander and HSBC, to name but a few, say their renewal letters should suffice as proof.
                      2. Not all insurers will automatically send you proof of no claims discount. Check our table to see if yours does, and what you need to do if they don’t.
                      3. There is usually a time limit on getting your proof of no claims discount to the new insurer. This tends to range from around 7 to 21 days.
                      4. If you don’t provide proof of no claims within the time limit, your new policy could be cancelled, leaving you uninsured, or your premiums could be increased as if you didn’t have a no claims discount.
                      5. Some insurers will not accept a photocopy of your proof of no claims discount letter, and will ask that you send the original. If this is the case, be sure to make a photocopy for yourself.
                      6. Most insurers only recognise no claims discount up to a certain point. For example, the greatest discount HSBC and M S will recognise is nine years. Insurers also have different maximum percentages, usually 70% or 75%.
                      7. Your new insurer may contact your old insurer to get the proof of no claims discount itself, but it will tell you if it intends to do so.
                      8. It’s also worth a follow-up call if you’ve not heard anything a week after you’ve sent the proof of no claims discount. The insurer should send you some kind of letter or email to confirm receipt, but don’t assume they’ve received it because you could be driving around uninsured.

                      How an NCD mishap can leave you without insurance

                      As a real-life example of how easy it is to get tripped up by all of this, MoneySuperMarket employee Hannah Jones found herself unwittingly driving around without any car insurance after sending off proof of her no claims discount.

                      Hannah switched to Sheila’s Wheels and was told to send proof of no claims discount within 14 days, which she did.

                      To Hannah’s surprise, she received a letter from Sheila’s Wheels saying the policy had been cancelled because they hadn’t received the proof. This was two weeks after it was sent, and the letter was backdated by a week.

                      Making matters worse, when Hannah called Sheila’s Wheels to explain it had already been sent, she was told that they would contact her previous insurer and that they didn’t really need the paperwork!

                      Though Hannah was able to explains matters and correct the situation, at first she faced a cancellation fee and higher premiums if she still wanted insurance with the company.

                      Clearly, even if you receive and send your proof of no claims discount, things could still go wrong, so it’s worth checking if you’ve heard nothing back.

                      And if you’ve built up a number of years’ worth of no claims discount it’s worth considering protecting it so you can still take advantage of the annual reduction even if you’ve made a claim.

                      What is no claims discount (NCD) protection?

                      NCD protection allows you to have a set number of ‘at fault’ accidents each year without affecting the discount. This means your NCD remains intact even if your insurer can’t claim their costs back.

                      And while this won’t necessarily stop the cost of cover increasing after a claim – insurers use your claims history to calculate premiums, with the discount factored in at the end – it should still mean the annual cost is lower than if you’d not protected your NCD.

                      You can take your car insurance no claims discount with you when you switch insurers. The discount might not be the same, but the new firm should honour your claims history. You can also transfer your NCD to another vehicle, perhaps if you buy a new car.

                      Using this MoneySuperMarket tool, you can find out how the leading car insurance providers approach the subject.

                      How many no-claims discount years will my new insurer honour?

                      Work out how many of the years you’ve built up will be recognised



                      Share Trading Account Comparison (Best Brokers, Brokerage House, Sites, Trader, Broker), discount futures brokers comparison.#Discount #futures #brokers #comparison


                      #

                      Comparison of Share Brokers in India

                      Compare Top Brokers in India. Find the best online stock broker to open a brokerage account today. Top stock broker services for every investor looking to make money. You can compare brokerage charges, services provided, advantages / disadvantages of brokerage accounts, annual maintenance fees, available investment options, account features and broker ratings provided by users using below comparison table. The list also provides ‘Top 10 Best Online Stock Trading Company Reviews‘, ‘Recommendation of Share Broker’ and ‘Stock Trading Reviews’. Through this list of share broker companies in India, you can find Best Broker, Best Brokerage House in India, Most User Friendly Equity Trading/Investment Sites and company’s who provide free share trading facility. Please click on the name on the company to read more detail about the share broker firms.

                      Discount futures brokers comparison

                      Flat Fee Plan

                      Get Free Trading + Demat Account for limited time. Get the offer.

                      Discount futures brokers comparison

                      3-in-1 Account (I-Secure Plan)

                      Discount futures brokers comparison

                      Classic Account

                      Get Free Trading + Demat Account (Rs 1150 waived on account opening) for limited time. Get the offer.

                      Discount futures brokers comparison

                      Power Indiabulls

                      Discount futures brokers comparison

                      Standard Account

                      Get 5 free trades on new account opening + Maintain a margin of Rs 25000 and get full refund of your account opening and DP AMC.

                      Discount futures brokers comparison

                      Online Trading

                      Discount futures brokers comparison

                      R Fixed plan

                      Discount futures brokers comparison

                      Paisa Power Classic

                      Discount futures brokers comparison

                      My Saver Online Plan

                      Get Free Trading + Demat Account for limited time. Get the offer.

                      Discount futures brokers comparison

                      Online Trading

                      Discount futures brokers comparison

                      Fixed Brokerage Plan

                      Discount futures brokers comparison

                      Default Plan

                      Discount futures brokers comparison

                      Angel Diet

                      Get free lifetime AMC on Demat & Trading account with Angel when you pay Rs 1500 (payable in 2nd year). Get the offer.

                      Discount futures brokers comparison

                      Standard Account

                      Discount futures brokers comparison

                      I-decide Plan

                      Discount futures brokers comparison

                      Basic Silver Plan – 599

                      Discount futures brokers comparison

                      Standard Plan

                      Rs 100 off on account opening fee for limited time. Get the offer.

                      Discount futures brokers comparison

                      eZ-trade

                      Discount futures brokers comparison

                      Plan 3500

                      Zero account opening fees for limited time. Get the offer.

                      Discount futures brokers comparison

                      Standard Plan

                      Rs 2000 Brokerage credit (when you switch from another broker) for limited time. Get the offer.

                      Discount futures brokers comparison

                      Power Plan (Rs 15/Order)

                      Discount futures brokers comparison

                      Rs 9 per trade Plan

                      Discount futures brokers comparison

                      Per Order Executed

                      Discount futures brokers comparison

                      Discount futures brokers comparison

                      Rs 20 per executed order

                      Discount futures brokers comparison

                      Rs 9 per trade plan

                      Discount futures brokers comparison

                      Flat Fee Plan

                      Discount futures brokers comparison

                      Standard Plan

                      Discount futures brokers comparison

                      Flat Fee Brokerage Plan

                      Get Free Trading for limited time. Get the offer.

                      Discount futures brokers comparison

                      Upstox Pro

                      Discount futures brokers comparison

                      Standard Plan

                      Discount futures brokers comparison

                      Fixed Plan

                      Discount futures brokers comparison

                      Retail Brokerage Plan

                      Discount futures brokers comparison



                      Last Minute Travel, Cheap Hotels, Flights & Vacation Packages, discount travel company.#Discount #travel #company


                      #

                      Travel with no borders

                      Search Hotels

                      Sizzling Summer Savings

                      Discount travel company

                      Make it a summer to remember with big sales on hotels in your favorite destinations. Summer is sweeter when you re saving big so enjoy this cool summer treat. on us.

                      Top 4 and 5 Star Hotel Deals

                      Discount travel company

                      The getaway you ve been dreaming about is finally attainable. Discover the world s best hotels at the internet s best prices. Explore these deals while you still can!

                      Save 50% with Royal Caribbean

                      Discount travel company

                      Dive into adventure with the whole family! Buy 1st guest, get 2nd guest 50% off. Plus, receive 25% off 3rd 4th guests. In addition, kids Sail for less on select dates!

                      Discount travel company

                      Join Last Minute Travel Club now and start saving!

                      Discount travel company

                      Discount travel company

                      Find member-only rates so low you have to see them to believe them

                      If you don’t save what you spent on membership, get a promo code worth the difference!

                      24/7 Travel Expert

                      Get advice or assistance from a travel expert 24 hours a day, 7 days a week

                      500K Already Saving

                      More than half a million members have saved a combined total of $25 million

                      Customers Love Us

                      See reviews engage with the Last Minute Travel community on any of our social media networks

                      We ll let you in on the little secret that is the names of our undercover hotels

                      Book on-the-go with

                      $25 off your first booking

                      AND app-exclusive deals*

                      Send a download link to your phone

                      Discount travel company

                      Traveling with Last Minute Travel

                      Discount travel company

                      Curious about what it s like to travel with us? Well, each month, social media wizards and travel bloggers are traveling around the world with Last Minute Travel. Live vicariously through these last minute nomads by exploring their gorgeous photo streams and reading all about their trips with Last Minute Travel on their blogs and social media feeds. See who’s currently on the road with us

                      Discount travel company

                      The best way to find the best hotels. We ve got the most exclusive deals from top hotel brands. Prices so exclusive that the hotels want to keep their names a secret until your booking is completed. Don t worry, you see all hotel information right away, and once your booking is completed, we let you in on the secret. Add some excitement to your trip! Learn more about undercover hotels

                      Last Minute Travel Blog

                      Discount travel company

                      Our blog is here to inspire you. To share the best deals with you and to help bring your dreams to life. Find travel guides for your favorite destinations, tips and tricks for affordable travel, fun facts about traveling, and fun travel quizzes. We reveal the latest deals being offered through Last Minute Travel, and you learn the best times of the year to take advantage of them. Visit our blog

                      Discount travel company

                      Sander is one of LMT s Android Developers. A B.S. in computer science, a master s in communications his general fabulousness are what help to make the LMT app as effective as slick as it is. In his down time, Sander runs half marathons, rides his pro boogie board, is an avid tea drinker, enjoys being introspective at the beach speaks English, Hebrew, Estonian, Finnish Java.

                      Last Minute Travel Club

                      Discount travel company

                      Becoming a member of the Last Minute Travel Club means gaining exclusive access to member-only prices and earning points toward free vacations. Backed by Tourico Holidays, the largest wholesale travel company in the U.S., members can enjoy savings of up to 65% with no hidden fees and no obligations whatsoever. The world is calling. Will you answer? Join Last Minute Travel Club

                      Discount travel company

                      Download and create an account today to receive a promo code for $25 off your first hotel stay*. If you re planning in advance or looking for a spontaneous getaway, booking on-the-go with agent-level, app-only deals has never been so easy. Travel that is convenient, quick, and affordable: these are a few of our favorite things! Download the LMT Deals App

                      **Valid only for bookings of $250+

                      Discount travel company

                      Not sure where to go next? We re here to inspire you

                      Discount travel company



                      Auto Repair Clio, Michigan Tuffy Auto Service Center #auto #repair #and #tire #center, #auto #repair, #auto #repair #clio, #clio #auto #repair, #auto #repair #michigan,auto #repair #genesee #county, #auto #service, #clio #auto #service, #auto #service #clio, #auto #service #michigan,auto #service #genesee #county,auto #repair #shop, #auto #repair #deals, #tires, #tires #clio, #tires #michigan, #tires #genesee #county, #new #tires, #new #tires #genesee #county,new #tires #michigan, #new #tires #genesee #county, #tire #deals, #discount #tires, #tires #and #rims, #brakes, #brakes, #brakes #michigan, #brakes #genesee #county, #brake #service, #oil #change #genesee #county, #oil #change #michigan, #oil #change #genesee #county,oil #change #shops, #quick #oil #change #clio,chassis #lube, #auto #mechanic, #auto #mechanic #genesee, #auto #mechanic #michigan, #auto #mechanic #genesee #county, #flat #repair, #flat #repair #clio,flat #repair #michigan, #flat #repair #genesee #county, #auto #engine, #engine #repair, #air #conditioning, #a/c #service, #preventative #maintenance, #vehicle #preventative #maintenance, #fluid #services, #struts #and #shocks, #alignments, #suspension, #car #batteries, #starting #and #charging, #timing #belts, #cv #axels, #radiators, #e-check #failures, #scheduled #maintenance, #transmission #flush, #power #steering #flush, #coolant #flush, #fuel #system #cleaning, #fuel #injection #services, #exhaust, #car #repair, #truck #repair, #car #repair #east #lansing, #truck #repair, #fix #my #car, #truck #parts, #car #parts, #auto #parts, #computer #diagnostic #testing, #air #filter #replacement, #alternators #and #starters, #belts #and #hoses, #tune #ups #clio, #tune #ups #genesee #county


                      #

                      Tuffy
                      Clio

                      Mar 07, 2017 Chris J.

                      Took my GMC truck to muffler man in January 2017 for front end alignment.Was happy with there service.The men there really have great skills & craftmanship.Also got exhaust from y pipe back replaced & was very impressed with the pride & care they have for there work.Will continue to use muffler man in Clio for many years for excellent workmanship & fast/reliable service/(Thank you very much for the work you done on truck)Chris of Dixie hills

                      Apr 30, 2015 Doug B.

                      My Son and I took his car to Tuffy recently to find out about an Engine running problem, Val took a look at it and in no-time found the problem. I used to be a certified mechanic years ago so I know what it takes to be a qualified mechanic. If I can’t fix it I want someone who I can Trust & Depend on to do it right. Val & Dustin are the real deal. You can always trust that they will do the job right and at a fair price. “Bravo, Gentlemen, Bravo”.

                      Apr 23, 2015 Marty M.

                      I always get great service. Dustin and Val are professional and the work is reasonably priced. I highly recommend Tuffy Auto Service in Clio.

                      Sep 29, 2014 Kathryn J.

                      I’ve had several things done to my car in the past few months. Dave, Val & Chris have been wonderful at explaining everything, charging a fair price, and keeping me on the road. I’m good to go now! Thanks guys!

                      Jan 24, 2014 Dawn S.

                      The service and price at Tuffy Auto Service in Clio is Second to None. I was treated very well when my antifreeze was leaking. I needed it fixed asap, and being a single woman, I was scared someone was going to take advantage of me. The guys at Tuffy were very fast, professional and reasonably priced. I highly recommend Tuffy Auto Service in Clio.

                      Nov 19, 2013 Brent C.

                      Wanted to give credit to the guys at this location. Dustin and the crews did a very professional job with customer communication and satisfiaction. It’s been about two months since work has been completed and no problems. Thank you guys for such great service and quality of work. Keep up the great work. Will be a repeat customer

                      Jul 16, 2012 Delphon D.

                      Tuffy/Clio Is The Place To Go When You Need Work Done On Your Car. Dustin & Crew has Always done A Great Job For Me, At A Good Price. I Recommend These Guys To Everyone. Come Get Your Work Done Here. You Will Be Happy With The Work They Do For You.

                      Jul 16, 2012 Brian D.

                      The employees here have been more than helpful and knowledgeable. Their service is always great, never had a problem bringing my vehicle here, nor has my family. Great customer service

                      May 30, 2012 Reese L.

                      Very fast and quality service. Friendly and knowledgeable staff! Definitely would recommend for all car repairs.

                      Jan 25, 2012 Daniel J.

                      Thanks Dustin for the great service!

                      Welcome to Tuffy Clio

                      Tuffy Auto Service Center Clio, Your Complete Auto Repair Specialist.

                      Conveniently located in Clio, MI we welcome customers from nearby Beecher, Burton, Davison, Flint, Flushing and Lapeer as well.

                      We service all makes models, foreign and domestic, cars trucks. Our certified technicians are trained to perform auto repair services including: air conditioning testing repair, brake diagnostics repair, preventative maintenance, exhaust diagnostics repair, transmission replacement repair, wheel alignments, fluid service, oil changes, tire rotations, engine service and much more.

                      Tuffy Auto Service Center takes pride in offering Senior Citizen, AAA, and Active Military Discounts. Call the shop for more details.

                      On this site you will find great auto repair specials which update each quarter so check back often. Also, don’t forget to sign up for our monthly eSpecial offers, exclusive auto repair deals for our email customers only.

                      Looking for a Quick Quote for your auto service needs? Simply fill out the Quick Quote form and one of our technicians will get back to you within 24 hours. Thank you and we look forward to servicing your car or truck!



                      Do My Own – Do It Yourself Pest Control, Lawn Care, Gardening, Equipment & Animal Care Products & Supplies, discount pest control.#Discount #pest #control


                      #

                      discount pest control

                      Discount pest control

                      Discount pest control

                      Discount pest control

                      Discount pest control

                      Discount pest control

                      Discount pest control

                      Discount pest control

                      Discount pest control

                      Discount pest control

                      Discount pest control

                      Discount pest control

                      Discount pest control

                      Discount pest control

                      Discount pest control

                      Discount pest control

                      Discount pest control

                      Discount pest control

                      Discount pest control

                      Discount pest control

                      Discount pest control

                      Discount pest control

                      Discount pest control

                      Discount pest control

                      We’re here to help. Mon-Fri 9am-5pm EST.

                      Discount pest control Discount pest control Discount pest control

                      • Home
                      • Shop by Pest

                      Discount pest control

                      Discount pest control

                      Discount pest control

                      Discount pest control

                      Discount pest control

                      Discount pest control

                      • New York Pest Control

                      Discount pest control

                      Discount pest control

                      Discount pest control

                      Discount pest control

                      Discount pest control

                      Discount pest control



                      APC Batteries #battery #store, #discount #batteries, #battery #chargers, #laptop #battery, #phone #batteries, #gps #batteries, #power #tool #batteries, #sealed #lead #batteries, #watch #batteries, #laptop #batteries.


                      #

                      Replacement APC UPS Batteries

                      Keep everything running in case of a power outage! BatteryMart.com’s selection of replacement sealed lead acid batteries have been used in thousands of APC units across the United States and Canada. Our simple lookup will help you find the right APC batteries easily, whether you have your original RBC number of the model number of your APC unit.

                      If you need assistance finding replacement batteries for your APC model, contact us by email or by phone at 1-800-405-2121. We’re here to help!

                      Find your model number
                      The APC UPS model number can be found on a sticker on either the bottom or rear of the UPS. Please note that the location of the label, as well as the letter and number sequences will vary by model and UPS type.

                      Frequently Asked Questions about Replacement APC Batteries

                      Do I need to replace my batteries with the same brand?
                      A lot of UPS units have multiple batteries in them. If you are replacing just one of the batteries in your unit, you should use the same brand. It’s best not to mix brands together, since different manufacturers can vary slightly in size and capacity. If you are replacing all the batteries in your UPS, then you can change brands.

                      Also, whenever you replace batteries in any UPS unit, be sure to compare your original battery to the replacement you are considering. You should always verify the quantity needed, the terminals, and the dimensions of your batteries.

                      What is the average lifespan of APC UPS batteries?
                      The standard life for SLA batteries is three to five years, when properly stored, used, and maintained. In practice, this varies greatly depending on environmental conditions like temperature & humidity, number of times the battery is discharged and recharged, and adequate maintenance.

                      Join Our Savings Club

                      Helpful Links

                      Copyright 2017 BatteryMart.com. All rights reserved. Privacy Statement | Terms of Use

                      About Us
                      Need Help?

                      1 Battery Drive,
                      Winchester, VA 22601

                      Sign up for Savings

                      Sign up today and get a FREE 4 Pack of AA batteries with your first order!

                      Follow Us
                      Follow Us

                      Charge To The Top

                      Copyright 2017 BatteryMart.com. All rights reserved. Privacy Statement | Terms of Use



                      Insurance Discount Questions – Discounts FAQ #insurance #good #student #discount


                      #

                      Insurance Discounts FAQ

                      General Questions


                      What kinds of Auto insurance discounts does Farmers offer?
                      Farmers offers many Auto insurance discounts to help keep your auto insurance premiums as low as possible. Discounts vary by state. Some of the types of discounts available include:

                      • Auto/Home: You can save money on both auto and homeowners insurance by purchasing both of these policies from Farmers.
                      • Good Student: Drivers under 25 years of age who are full-time students in high school or college and have good grades may qualify.
                      • Multi-Car: If you own two or more vehicles and insure both of them with Farmers, you may qualify for the Multi-Car discount.
                      • Alternative Fuel – Owners who drive hybrids and other alternative fuel vehicles may save 5% on all major coverages.

                      Contact your local Farmers agent to discuss your own individual needs.

                      What kinds of Home insurance discounts does Farmers offer?
                      Depending on your state, Farmers offers a variety of Home insurance discounts to help you save. For example, you can save with:

                      • Multi-Line Discounts (Auto/Home, Home/Life) – insure your Auto, Home and Life with Farmers and receive discounts on bother your Auto and Home insurance.
                      • Non-smoker discount – save if you have a non-smoking household.
                      • Business/Professional Group Discount – a discount on your Home policy will apply if you are employed with or retired from an approved occupation or professional group and meet the eligibility criteria.
                      • And more!

                      Contact your local Farmers agent to inquire about ways to save on Home insurance in your state.

                      How do I submit documents to ensure my policy coverage and discounts reflect my choices?
                      Understanding the coverage and discount options that are available can help you make smarter choices and possibly save you money. Your local Farmers agent can review your policy and help you choose the right options for you. In order to maintain the coverage you’ve selected and ensure all discounts are included with your policy, certain documents need to be completed and submitted as soon as possible.

                      Here are some of the documents that you may need to provide in order to maintain your coverage and discounts:

                      • Application of Insurance
                      • Subscription Agreement
                      • Coverage selection/rejection forms
                      • Verification of your occupation
                      • Report cards/transcripts for the immediately preceding term or cumulative GPA for youthful drivers (auto insurance)
                      • Verification of the year of replacement of your home’s roof, heating, electrical or plumbing systems (homeowners insurance)

                      A convenient way to complete and submit documents is via Farmers eSignature. This allows you to electronically provide signatures or upload other documents. If you opt-in to eSignature, you’ll receive a welcome email along with the information needed to access eSignature. If you haven’t enrolled and wish to do so, your Farmers agent can opt you in.

                      Or if you prefer, you can send the required documents to your agent directly. Your agent will guide you through this process and make sure you have the information you need to complete and submit your documents.

                      Whatever method you use, be sure to provide the required documents as soon as you can to prevent unwanted changes to your policy and discount choices.

                      Auto Insurance Discount Definitions

                      Farmers currently offers discounts in these categories:

                      Alternative Fuel Vehicle Discount: Vehicles eligible for an insurance discount are dedicated fuel vehicle designed to use an alternative fuel as defined in the Federal Energy Policy Act ( EPact ) of 1992 or an electric and gasoline hybrid vehicle. Qualified vehicles include hybrid, electric, natural gas, methane and propane.

                      Anti-Theft Discount: Receive a discount if your vehicle is equipped with an authorized anti-theft protection device provided by the manufacturer of a vehicle as original equipment or an authorized dealer. The device must be self-activating upon locking the vehicle’s doors.

                      Business/Professional Group Discount: Discount on your Auto policy will apply if you are employed with or retired from an approved occupation or professional group and meet the eligibility criteria.

                      Auto/Home Discount: Get a discount on your auto insurance policy if you also have a Farmers Homeowners or Condominium policy.

                      Auto/Life Discount: Get a discount on your auto insurance policy if you also have a Farmers Life insurance policy.

                      Auto/Renters Discount:
                      Get a discount on your auto insurance policy if you also have a Farmers Renters policy.

                      Auto/Umbrella Discount: Get a discount on your auto insurance policy if you also have a Farmers Umbrella policy.

                      Electronic Funds Transfer Discount: Get a discount on your auto insurance policy if you pay your premium by Automatic Bank Payment (EFT).

                      ePolicy Discount: Get a discount on your auto insurance policy if you enroll in electronic document delivery.

                      Good Student Discount: To qualify for the good student discount, the driver must be 16 to 24 years of age and either a full-time high school student or enrolled as a full-time college or university student. The driver will have to provide documentation that they are:

                      • A full time student, and
                      • The school academic records for the previous school semester or quarter (or comparable segment) show the student:
                        • Ranked scholastically in the upper 20% of his or her class, or
                        • Had a grade point average of “B” or better for the immediately preceding term or cumulative in schools designating grades by letter (no grade below “B” if such systems cannot be averaged), or
                        • Had an average of at least 3.0 for immediately preceding term or cumulative for all subjects combined in a school using numerical (4, 3, 2 and 1) grade points, or
                        • Was included in the “Dean’s List”, the “Honor Roll” or similar list in a school maintaining such a list designating scholastic achievement.


                      Homeownership Discount:
                      Get a discount on your auto insurance policy if you own your home.

                      Multi-Car Discount: Available to households that have two or more vehicles insured with Farmers.

                      Paid in Full Discount: Get a discount on your auto insurance policy if you pay the entire premium due in advance of the policy term.

                      Safe Driver Discount: This discount is available in select states for those with a clean driving record.

                      Senior Defensive Driver Discount: To qualify for this discount the principal operator must be at least 65 years of age or, in some states, 55 years of age and have successfully completed a Driver’s Education course approved by the Department of Motor Vehicles. A certificate of completion from the approved agency must be provided.

                      Home Insurance Discount Definitions

                      Here are a few of our Home insurance discounts:

                      Business/Professional Group Discount: Discount on your Homeowners policy will apply if you are employed with or retired from an approved occupation or professional group and meet the eligibility criteria.

                      Home Renovation Discount: This discount is available to homeowners who have had a major system, such as plumbing, electrical, or heating/air conditioning, fully replaced by a qualified contractor.

                      Non-smoker: Get a discount if all residents of your household have not smoke tobacco products in the past two years.

                      New Home: If your home was constructed during the current calendar year and within the last nine calendar years, you could be eligible for a discount.

                      Home/Auto Discount: Get a discount on your home insurance policy if you also have a qualifying Farmers insurance policy. (Please contact your local Farmers agent for additional qualifying policy details.)

                      Home/Life Discount: Get a discount on your home insurance policy if you also have a qualifying Farmers Life insurance policy.

                      Renters/Auto Discount: Get a discount on your renters insurance policy if you also have a Farmers Auto insurance policy.

                      Protective Devices: Discounts are available for insured homes equipped with qualifying burglar and fire protection devices such as central station alarms and interior automatic fire sprinkler systems.

                      ePolicy Discount: Get a discount on your home insurance policy if you enroll in electronic document delivery.

                      New Roof Discount: Get a discount on your home insurance policy if your roof was recently replaced.

                      UL Approved Roof Discount: Get a discount on your home insurance policy if your roof has an Underwriting Laboratories impact resistance rating of UL3 or UL4.



                      ODRC – London Correctional Institution – Inmate Search – London, OH #inmate, #send #inmate #money, #send #inmate #books,discount #prison #telephone, #discount #inmate #calling, #write #inmate #letters, #find #an #inmate, #locate #a #prison, #inmate #search, #county #jail, #federal #prison, #state #prison, #inmate #locator


                      #

                      ODRC – London Correctional Institution

                      ODRC – London Correctional Institution is classed as a medium security facility. It has a strengthened perimeter fence and electronic detection systems to ensure inmates stay within the confined areas within the facility. To help inmates prepare themselves to rejoin the wider community, offers a wide range of work and treatment programs. The medium classification means that the inmates are supervised 24/7 with controlled movements. Medium and security prisons house more serious offenders, but inmates can also be sent to serve time in a lower security facilities for things like good behavior at the end of a sentence.

                      ODRC – London Correctional Institution is a state prison. This penitentiary is operated by the state of Ohio Department of Corrections (DOC) and is used to house and rehabilitate criminals sentenced by a judge to a specific commitment term. The state s prisons are funded by state tax money to provide food and clothes to inmates and to train and hire employees to operate the prison efficiently.

                      Convicted criminals are sent to prison as punishment and are property of the state . They must follow very strict rules of conduct and order or they are held to additional punishment like loss of privileges or isolation. They do retain some rights as granted by the state and federal constitutions. Prison is like a town inside a town. There is a mayor (the warden ), police (correctional staff ), a jail (disciplinary segregation unit, the SHU, the hole ), laws (administrative rules ), judges (hearings officers ), a store (the commissary ), housing (cells ), medical care (infirmary ), library (law, education and lending ), civic organizations (clubs ), worship (chapel ), a park (the recreation yard ), a cafeteria (chow hall ), and the inmates all have a job that assist in keeping the facility running.
                      There is no privacy in prison – inmates dress, shower, and use the bathroom in the company of other inmates. Inmates are required to make their bunks and keep their personal possessions neat. All inmates wear identical clothing and must carry their identification card with them at all times. Most possessions allowed must be purchased from the canteen. Meal times are assigned and inmates have 25 minutes in which to eat and leave the dining room, there are no seconds. Inmates are subject to searches of their person and/or cell at any time. All movements of inmates from one area to another are monitored and supervised.
                      Visitation is a privilege reserved for inmates in good standing and contact is limited. All phone calls (except legal calls) are recorded and monitored and must be made collect or with a pre-paid account, or a debit card.

                      Connect with an Inmate



                      UC Davis Housing #uc #davis #housing, #uc #davis #housing, #1 #room #available #in #2 #bedroom #apartment, #1 #room #available #in #2 #bedroom #apartment, #pinecrest #apartments, #$425 #1br, #1ba #plus #$50 #utilities* #| #discount #possible #for #gpa #3.2 #or #higher, #fall #sublease, #green #leaf #college #square, #seeking #housing #2017-2018, #searching #for #housing #in #davis #area, #granite #point, #2017-2018 #roomate, #looking #for #male #roommate, #academy #lane, #looking #for #a #place #to #live #fall #quarter, #september #2017, #august #2018 #apartment #sublease #@ #the #u #apartments #( #1st #month’s #rent #free), #woodlake #close #apts., #looking #for #a #single #room #for #summer #session #2 #from #aug #7- #sep #15, #looking #for #a #female #lease #replacement, #bridgeport #ranch, #looking #for #male #roommate #@ #the #arbors, #looking #for #housemates #for #2017/18 #school #year!, #tanglewood #@ #davis, #single #room #at #the #colleges!, #wake #forest #apartment #private #room #in #2br #apt, #seville #at #mace #ranch, #1 #bedroom #available, #reduced #rent #for #help #with #dog, #desperately #seeking #subletter, #harbor #oaks, #looking #for #roommate #for #2017/2018 #year, #3 #bedroom #apartment #@ #west #village, #fountains #at #point #west


                      #

                      Housing Search Results

                      Davis Housing

                      Housing on Uloop provides Davis students with Houses, Condos, and Apartments for rent around campus for the year, for the semester, and sublets during the summer. The Housing category on Uloop also provides Roommate listings from Davis students who are looking for roommates in Davis. You can find roommates at Davis for the semester or quarter, for the school year, and for the summer. In the Uloop Housing category you can post and find 1 BR, 2 BR, 3 BR, and 4 BR Apartments for rent, Houses for rent, Condos for rent, and Sublets for rent to students at Davis in Davis.

                      Student Housing Off Campus is also available at these other schools

                      CA Student Housing

                      College Student Housing

                      2017 Uloop Inc.

                      Back to Top

                      Log In

                      Employers & Housing Providers

                      Employers can list job opportunities for students

                      Housing Providers can list available housing

                      Housing Providers

                      List Available Housing for Students

                      Employers

                      List Available Job Opportunities for Students

                      Post FREE Listings

                      Post Jobs for Students

                      Post Available Housing

                      Enter College Name to See Local Results

                      Housing Providers

                      List available housing

                      Log In

                      Contact Us

                      Mailing Address:
                      Uloop Inc.
                      306 S. Washington Ave
                      Suite 400
                      Royal Oak, MI 48067

                      Forgot your password?

                      Your new password has been sent to your email!

                      Logout Successful!

                      You just missed it! This listing has been filled.

                      Post your own housing listing on Uloop and have students reach out to you!

                      Upload An Image

                      Please select an image to upload
                      Note: must be in .png. gif or .jpg format

                      Provide URL where image can be downloaded
                      Note: must be in .png. gif or .jpg format

                      Image not available.

                      By clicking Get Started or Sign In you agree to our Privacy Policy and Terms of Service

                      Share it on Facebook Share it on Twitter

                      Add a Photo

                      Please select a photo to upload
                      Note: must be in .png. gif or .jpg format