No Claims Bonus – Answering Your FAQs, named driver no claims bonus.#Named #driver #no #claims #bonus


How does the no claims bonus system work?

We re asked a lot of questions about the no claims bonus system; we agree that the topic can seem pretty complicated, whether you re new to insurance or you ve been driving for years. We ll try to answer your questions here, but please get in touch if you would like more information.

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What is a No Claims Bonus?

A no claims bonus (sometimes called a no claims discount), is a percentage discount applied to your premium in recognition of a period of claim-free insurance. It s usually calculated and applied each year at the renewal of a policy, or whenever you apply for a new policy. So, if you re a careful driver you present a lower risk to your insurance company and you ll make some great savings on your annual premium.

How much discount will I get?

Insurance companies each have their own scale of no claims bonus, but a typical example might be:

30% discount after 1 year s claim-free insurance

40% discount after 2 years

50% discount after 3 years

60% discount after 4 years

65% discount for 5 years or more claim-free insurance.

I ve been a named driver on my parents policy until now. Can I get a no claims bonus?

A number of insurers do now offer an introductory no claims bonus for named drivers, but the discount they offer you may be different to the discount they offer drivers who ve had an insurance policy in their own name. They may also have restrictions on the minimum age they ll offer a named driver discount to.

To be sure of reaping the maximum benefit from your good driving, you re probably better off getting insurance in your own name as soon as you possibly can. After a year, if you ve had no claims, the savings can be significant.

No claims bonus for second drivers

Second drivers, also called named drivers , usually don t earn their own bonus whilst on someone else s insurance. However some insurers will permit named drivers to earn their own NCD which can be used to get lower car insurance premiums further down the line, but this is usually only the case if you stay with the same insurer.

I ve just changed my car will I have to start earning a no claims bonus from scratch again?

No. Your no claims bonus is earned by you, the policyholder. It doesn t affect your NCB if you change the car that s insured on your policy.

I ve bought a second car can I apply my no claims bonus to both cars?

Unfortunately not. Even though a no claim bonus is earned by the policyholder, you can only apply it to one car at a time. Most times, you ll have to start earning a new NCB on each additional vehicle you insure, but some insurers may allow you an introductory or second car discount if you mention it to them.

What happens to my no claim bonus when I change my insurance company?

This isn t usually a problem. You simply need to ask your old insurance company to supply you (or your new insurer) with proof of your no claims discount (e.g. 3 years, or 4 years). The annual renewal letter from your old insurer may serve as proof of your no claim discount, or you may have to ask them to send specific proof in a separate letter.

There is usually a time limit for you to provide your new insurance company with proof of your no claim bonus (for example 7, 14 or 21 days). If you fail to do so within the time limit, your new policy could be cancelled, leaving you uninsured, or they could increase your premium to reflect the lack of any no claim discount.

The process is usually quite smooth, however, and once proof is received, your insurance company will continue to apply the correct discount to your premium.

Will I lose my no claim bonus if I make a claim?

It depends if your insurance company can recoup the expenses of your claim. For example, if another driver crashes into you and it s undeniably their fault, your insurance company may be able to recover the cost of repairing your car from the other driver s insurance company.

If that happens, you won t lose any of your no claim bonus.

But if you make a claim where you are at fault, or your insurance company can t recover their losses, your no claim bonus will be affected.

Your discount usually steps back by two years for each claim. So, for example, a three year bonus would reduce to one at your next renewal. If you made another at-fault claim, the resulting step-back would result in you losing your no claim bonus altogether.

Protecting your no claim bonus

Once you ve built up more than three years no claim bonus, you can protect it. This means you pay an extra fee to the insurance company and in return, your no claim bonus will be safe-guarded, even if you make an at-fault claim.

Insurers vary in their rules for protected no claims bonuses. Some will allow you, for example, two claims in five years, but it could be a little as two claims in three years. Check the rules with your own insurer.

Remember that a protected no claims discount won t guarantee that your annual premium won t increase, only that the discount on your annual premium is protected.

For example, your insurance costs 1,000 in the first year but is reduced to 400 after applying a 60% protected no claims discount. You make an at fault claim that year. The following year, your annual premium may rise to 1,100 owing to normal cost rises, but your 60% discount is protected following your claim, and so your premium for that year is 440.

Normally, the NCB would drop back two steps (e.g. to 40%) after a claim, which means that your premium in the second year would have been 660 without the protected NCB.

Is it worth paying to protect your no claims bonus?

The payment for protecting your no claim bonus is usually less than the discount you d lose if your NCB stepped-back by two years, which makes it worth having, but do your own calculations to be sure. If you have a run of several years without making a claim, but pay for protected no claims bonus, the saving diminishes a little, but the sums are still likely to add up in favour of having it.

Buying your first insurance? Or looking to change your insurer?



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Here is what happens when a driver is excluded from an auto policy, named driver no claims.#Named #driver #no #claims


‘Excluded’ really means you’re excluded. No, seriously.

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No one likes to feel excluded, but if it’s a car insurance company that’s singling you out for an exclusion, you’d better listen.

What is a ‘named driver exclusion’?

Some insurance policies come with a named driver exclusion. It states that one or more individuals in your household may not operate the insured vehicle. If an excluded individual drives the car and gets into an accident, the insurance company doesn’t have to pay for the damage.

Car insurance typically operates under a principle of “permissive use,” explains John Montevideo, past president of the Consumer Attorneys of California. If you loan your car to someone and he or she has an accident, that driver typically is covered as a permissive user under your policy.

If the driver has been explicitly excluded on your policy, however, the concept of permissive use goes out the window, as do the insurer’s traditional responsibilities to defend and indemnify. Damage to your vehicle won’t be covered by the insurer, and both the policyholder and the driver can be held personally liable for any damages caused to others in the crash.

Exclusions typically aren’t arbitrary. They’re meant to make sure that a high-risk driver in your household won’t get behind the wheel.

“It could be somebody that perhaps has a suspended license, or a DUI, or a bad driving record,” says Penny Gusner, consumer analyst for Insure.com. “Excluding such drivers minimizes risk for the insurance company.”

Exclude a driver and save

It’s not always the insurance company that inserts exclusions into your policy. Sometimes policyholders request exclusions to lower their premiums.

“Some exclusions are from insurance companies, or it could be you saying, ‘This person is not going to drive, and he’s pushing up my rates,'” says Gusner.

She points out that California has a good-driver discount, which can save you big money with the best auto insurance companies. Drivers who qualify for the good-driver discount get rates at least 20 percent lower than those who do not qualify for the discount.

A California law allows you to exclude drivers in your household who could cause you to lose that discount.

“In many states the discount is substantial, which is the reason the insured might request for an exclusion to apply,” says Chris Wukovits, manager of AAA New York Insurance Services.

Wukovits notes that not every state allows car insurance companies to write policies with such exclusions. They’re legal under the state laws of Arizona, California and Texas, he says, but are prohibited in New York.

Some states allow exclusions but impose limitations on their use. For example, Gusner says North Carolina doesn’t allow you to exclude your spouse. Contact your state department of insurance or insurance agent to determine what is permitted if you want to exclude someone from your auto policy.

No excuses

If your policy has exclusions, your insurance company won’t accept any excuses for allowing excluded persons to drive.

Perhaps no one would fault you for allowing your excluded spouse to drive you to the hospital if you were having a heart attack. However, if he or she got into accident on the way, the insurance company would be within its rights to refuse coverage. Excluded means excluded, period. There are no loopholes.

The good news is that an exclusion isn’t forever, but you’ll have to contact your insurance company and ask for it to be removed. Keep in mind that the insurer is under no obligation to comply with your request.

Once an exclusion is imposed, typically it remains in place until you and your insurance company mutually decide to take it off the policy, says Gusner. “Some drivers think it’s only until the end of the policy term, but that’s not usually the case.”

If the exclusion has been prompted by a black mark on someone s driving record, such as a DUI, you’ll likely have to wait until the offense drops off their DMV record before you can have the exclusion removed from the insurance policy.

There are steps that risky drivers can take to improve your driving record in order to reduce your insurance premiums.

Don’t skip the fine print

Typically, only high-risk drivers wind up excluded from policies. But that’s not always the case. Montevideo says he has seen a trend among small, low-cost insurers — which tend to offer monthly policies rather than six- or 12-month contracts — to simply exclude every member of a household other than the policyholder. These policies are sometimes referred to as “named-driver only” policies. It s a way to control claims costs.

He says there are extreme cases where children too young to drive are excluded from policies. “They’re basically saying, ‘We’re going to exclude even the dog, if we can find his name.’ It’s overkill, really.”

So even if you haven’t asked for a member of your household to be excluded, check with your insurance agent and read your policy carefully. The last thing you want is to find out too late that your child or spouse wasn’t supposed to be driving the car he or she just crashed.

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Adding a named driver on car insurance, MoneySuperMarket, named driver no claims.#Named #driver #no #claims


Adding a named driver on car insurance: all you need to know

Named driver no claims

by Kevin Pratt

Consumer affairs expert

Wednesday 12 Jul 2017

Save money on your car insurance

Originally published March 7th 2017

If your friend asks to borrow your car for the day, or you want your daughter to be able to drive your car, you need to make sure that appropriate insurance is in place. Here we answer your questions on additional, named drivers.

What is a named driver?

A named driver is a someone who is insured to drive a vehicle in which another person does most of the driving. When driving that vehicle, the named driver will have the same level of cover as the main driver.

Can I add another driver to my insurance policy?

Yes. You can normally add one or more drivers to your existing car insurance. If it’s a new policy, you can simply provide the details when you take out the cover.

What will the insurer need to know about the additional driver?

The insurer will typically want to know the name, age, marital status, address and occupation of any additional drivers. Plus, you will have to give information about any accidents or motoring convictions.

How much does it cost to add a driver to my policy?

If you are adding a driver to your existing insurance, you might have to pay a fee to amend the policy, which could be about £30. The effect on the premium depends largely on the risk profile of the additional driver. If you are a parent and want to add a young driver to your policy, the price could be high because younger motorists are statistically riskier than older drivers. On the other hand, if you have just passed your test and want to add your mother or father to your insurance as a named driver, you could earn a discount on your premium.

Is the additional driver different from the main driver?

Yes – and you should not confuse the two. Some people put the additional driver down as the main driver in order to reduce the insurance premium (usually a parent claiming to be the main driver on one of their children’s policies). This is a practice known as ‘fronting’, which is illegal and could lead to a criminal conviction. It could also invalidate your insurance and make it more difficult and more expensive for you to buy cover in the future.

What happens if the additional driver has an accident?

If the additional driver causes an accident in your car and you have to make claim, it will affect your no claims discount, even if you were nowhere near the vehicle at the time.

Can I add a driver onto my policy permanently?

You can normally add a driver for the duration of your policy. Alternatively, many insurers allow you to add a driver temporarily. The temporary period is usually about 90 days, though it does not have to be taken all at once.

Can my insurer refuse an additional driver?

Some insurers automatically refuse to cover learner or young motorists as additional drivers. If the person has a poor driving history, they might also be turned down. Some insurers will charge a high amount as a way to deter you from adding a driver they don’t want to insure.

Do I need to tell the driver that I have added their name to my policy?

Yes. You cannot add a driver to your policy without their permission. So, always ask first. This is another defence against ‘fronting’.

Should additional drivers inform their own insurers?

If the additional driver has their own policy, they should tell their insurer that they are covered to drive another vehicle as an additional driver.

Do I need to bother adding drivers to my policy if they already have their own insurance?

Some insurance policies cover the main policyholder to drive another vehicle with that vehicle owner’s permission. However, it is not always the case, and any cover is likely to be third party only, even if the main policy is comprehensive. You should not therefore assume that adequate insurance is in place.

Can I include additional drivers when I search for motor insurance quotes?

MoneySuperMarket’s comparison service allows you to name up to three additional drivers when you are looking for the best deal on your motor insurance. So the price you are quoted will reflect the actual scope of the insurance you’re looking for.

I’m a named driver on another car, can I drive it in other EU countries?

If you’re a ‘named’ driver on someone else’s policy, you can drive abroad, although you’ll most likely only have third party cover, so you might want to pay for more protection. Remember the main driver must do the majority of the driving, so if you drive the car more than them (say you cover more miles during the trip), any claim you have to make could be challenged.

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Paternity fraud rampant in U, named driver no claims.#Named #driver #no #claims


Paternity fraud rampant in U.S.

bilked of child support unjustly

Named driver no claims

WASHINGTON More than three years ago, a Maine district court judge ruled that Geoffrey Fisher no longer had to pay child support for a child that wasn t his.

But that didn t stop the state from revoking Fisher s driver s license and coming after him for thousands of dollars it says he owes in back payments.

Last year, Maine sent Fisher, 35, a letter seeking $11,450 in child support, even though officials know that DNA tests proved he isn t the father of the child in question.

As the nation experiences an unprecedented increase in unwed motherhood, more men are finding themselves named as fathers, for purposes of child support, simply because of their ability to pay, say several recent studies.

It s called paternity fraud, and one state that examined the problem found as many as 30 percent of those paying child support were, indeed, not the biological fathers of the children being supported.

The most recent comprehensive study took place in New Hampshire under the auspices of the Commission on the Status of Men.

The commission found that even men who later were able to prove they were paying support for the children of other men were sometimes still forced by courts and state agencies to continue.

Paternity fraud is a growing concern for men and children everywhere, concluded the commission in a report completed in November. It can spawn considerable grief for the men who may or may not be emotionally attached to a child they later discover was fathered by another; and possibly unsettling for children who may discover the false nature of their paternity.

The New Hampshire commission took note of the case of Geoffrey Fisher.

Fisher had a brief relationship with a woman eight years ago and when she got pregnant and told him he was the father, he believed her. He began paying child support but eventually fell behind.

In the summer of 2001, the Maine Department of Health and Human Services took him to court because of delinquent payments. The court ordered him to pay up, and the state had his license suspended under the deadbeat dad law.

That fall the girl, then 3, was placed in foster care. When Fisher pushed for custody, the state ordered a paternity test, which proved he wasn t the father.

At that point, one branch of the human services department told him he could no longer see the girl because he wasn t the father, while another said he owed $10,000 and couldn t have a driver s license because he was the father.

Fisher thought the matter resolved when a judge ruled he no longer had to pay child support in January 2002.

But then last spring, the Maine attorney general s office claimed Fisher still owed support payments for the time from the child s birth until she reached 3 years old, when tests proved Fisher was not the father.

Paternity fraud is a growing problem for both men, who should have a higher level of confidence on the paternity of their children, and for the children who need a reliable history of both parents for the maintenance of their physical and emotional health, concluded the New Hampshire commission.

Carnell Smith, a paternity fraud expert, says that 30 percent of the cases he sampled proved negative.

Like New Hampshire, California has also established a commission to explore the problem, based on reports that 14 percent are being misnamed as fathers. A report is expected later this year.

Florida is about to pass a new law that would end child support if a man proves he s not the father. Like most states, Florida currently requires that child support once legally established continue until the child s 18th birthday, regardless of who the real biological father is. Eleven states have changed similar laws since 1994.

A new state law took effect in Colorado this year that permits men, for the first time, to challenge his paternity of alleged offspring at least during the proceedings of a divorce, separation or child-support action. However, once a final order is entered, the new law says, the man is barred from presenting evidence of non-paternity.

But there is also a problem with the way some DNA tests are conducted and analyzed, say experts.

For instance, one physician reported that two unrelated men one black, the other white both tested with a probability of paternity at 99 percent for the same child.

Despite testing facility claims of a 99 percent accuracy rate, all men are at risk, whether it s through a wrong paternity judgment or paternity fraud, says Darrin Bush, developer of PaternityTestFlaw.com. There is a chance that a man can be determined to be the father of a child even if he never had relations with the mother. The deck appears to be stacked against men.

If you would like to sound off on this issue, participate in today s WND Poll.



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How does no claims bonus work?

No claims bonus for named drivers

by Les Roberts

Car insurance expert

Tuesday 27 Jun 2017

Save money on your car insurance

Originally published April 1st 2016

Of all the ways to cut the cost of car insurance, accumulating several years’ no claims bonus (NCB) is arguably the most effective.

So if you’ve built up five or more years of claims-free motoring, you should be able to bag yourself a decent discount on the cost of cover.

As simple as this sounds in theory, in practice it can be a lot more complicated – each insurer plays by its own rules, which can cause confusion and distress if you have to make a claim or get confirmation of proof.

What is no claims bonus (NCB)?

For every year you drive without making a claim on your car insurance your insurer will give you one year’s no claims bonus (NCB) that will give you a discount on the cost of cover at renewal.

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.

Counting the cost of making a claim

This issue of NCB deductions – when the value of an NCB is slashed – came to our attention when a concerned customer contacted us via the comments section of our motoring blog.

She’d seen her eight year-NCB cut to just three after making a claim – a much bigger drop than she was expecting.

The customer wrote: “I am insured with Churchill, I have 8 years no claims. Unfortunately, I had an accident and Churchill informed me I would lose 2 years no claims and added that because they only consider 5 years they will be leaving me with 3 years no claims bonus.

“Surely this is wrong because when my renewal is up and I search elsewhere there ARE other insurance companies who consider 9+ years. Does anybody have any advice regarding this?

How many years’ NCB should be deducted?

If you make a claim on your car insurance, the industry norm is to deduct two years’ worth of NCB.

We contacted Churchill to check its position and whether the customer would, in effect, lose five years’ NCB following her claim.

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

However, if a customer makes a claim and they have over five years’ NCB this will be reduced to three years’ NCB after a first claim.

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

Pick your insurer

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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

Standard practice

This seemed excessive, so we got in touch with the Association of British Insurer (ABI), to find out if there is an industry standard when it comes to the allocation of NCB.

It turns out there isn’t, and it’s completely at the discretion of each insurer. Stephen Sobey from the ABI said: “The no claims bonus is a tool used differently by each insurer, there is no standard formula across the industry.

So we did some shopping around of our own, to find out how different insurer measure up against each other when it comes to deducting NCB, specifically in the case of our customer who had accumulated eight years’ NCB before making a claim.

The results were eye-opening to say the least…

How a claim affects your NCB

Swinton was not able to answer our query as it said there were too many variables to be able to provide this level of detail.

Esure and Sheila’s Wheels don’t disclose their specific NCB scales while AA Insurance Services simply state that in the event of a claim : “Your No Claim Bonus will be reduced at renewal in accordance with the insurer’s ‘step back’ scale at the time of renewal (usually to the equivalent of 0, 1 or 2 years) subject to any No Claim Bonus Protection condition that may apply to this insurance.”

We also contacted Carrot, a telematics insurer, to see what its position was and were told this wasn’t really relevant to the average telematics customer.

This type of cover is aimed at younger drivers and once they have five years’ driving under their belt, it’s probably more cost-effective to move on to a traditional insurance policy. This is something I took a closer look at in the video below and in my article Putting telematics to the test.

So, how many years’ NCB should be deducted?

In short, although it’s standard practice to deduct two years’ NCB after a claim, if you’ve accumulated over five years’ NCB in most cases this will be cut back to just three following a claim.

Just three of the insurers we contacted had a different policy – Allianz honour the two years no matter how many years’ you have accumulated, so our customer would have had six years’ NCB at renewal, while Swiftcover has a sliding scale which means your NCB will be cut back to four years if you’ve accumulated six or more years’ NCB.

LV also puts customers with nine years’ NCB back to four should they make a claim.

Admiral also included an interesting caveat in its terms and conditions, where it stated: “This is a No Claims Bonus and not a no blame bonus. If a claim occurs which is not your fault and we have to make a payment, your No Claims Bonus will be reduced unless we can get back all that we paid from those responsible.”

So even if you make a claim for an accident that wasn’t your fault you’ll get your NCB cut unless a settlement can be reached with the guilty party’s insurers.

All of which throws the importance of NCB protection into sharper focus.

Is it worth protecting your NCB?

The common consensus is that protecting your NCB is only worthwhile up to a certain point and that, the longer you go with NCB protection but without making a claim, the less cost-effective it becomes. This is something I cover in more detail in my article Should you protect your no claims discount?

However, this works on the assumption that insurers will cut your NCB by just two years should you make a claim. But these latest findings show this is clearly not the case as, in most instances, you’ll be knocked back to just three years’ discount, regardless of the number of years of claim-free motoring you’ve accrued – and most insurers don’t apply the maximum discount until you have at least five years’ NCB.

How long is proof of no claims valid for?

Your proof of NCB is usually only valid for two years – so if you’re off the road for any reason or don’t have your own policy for more than two years, you’ll have to start from scratch the next time you take out cover.

Kevin Pratt, insurance expert at MoneySuperMarket, said: “It’s often assumed insurers will deduct two years’ worth of NCB in the event of a claim, but it’s not that straightforward. The system operated by most insurers could have serious cost implications for motorists who have to make a claim.

“This means paying for NCB protection is an option customers should consider when shopping around for cover.

“It’s also important to remember that your NCB is portable, so you can still shop around to find the best insurance deal without having to worry that you might jeopardise your discount.”

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No claims discount explained

No claims bonus for named drivers

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

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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

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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



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


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.



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How does no claims bonus work?

No claims bonus

by Les Roberts

Car insurance expert

Tuesday 27 Jun 2017

Save money on your car insurance

Originally published April 1st 2016

Of all the ways to cut the cost of car insurance, accumulating several years’ no claims bonus (NCB) is arguably the most effective.

So if you’ve built up five or more years of claims-free motoring, you should be able to bag yourself a decent discount on the cost of cover.

As simple as this sounds in theory, in practice it can be a lot more complicated – each insurer plays by its own rules, which can cause confusion and distress if you have to make a claim or get confirmation of proof.

What is no claims bonus (NCB)?

For every year you drive without making a claim on your car insurance your insurer will give you one year’s no claims bonus (NCB) that will give you a discount on the cost of cover at renewal.

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.

Counting the cost of making a claim

This issue of NCB deductions – when the value of an NCB is slashed – came to our attention when a concerned customer contacted us via the comments section of our motoring blog.

She’d seen her eight year-NCB cut to just three after making a claim – a much bigger drop than she was expecting.

The customer wrote: “I am insured with Churchill, I have 8 years no claims. Unfortunately, I had an accident and Churchill informed me I would lose 2 years no claims and added that because they only consider 5 years they will be leaving me with 3 years no claims bonus.

“Surely this is wrong because when my renewal is up and I search elsewhere there ARE other insurance companies who consider 9+ years. Does anybody have any advice regarding this?

How many years’ NCB should be deducted?

If you make a claim on your car insurance, the industry norm is to deduct two years’ worth of NCB.

We contacted Churchill to check its position and whether the customer would, in effect, lose five years’ NCB following her claim.

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

However, if a customer makes a claim and they have over five years’ NCB this will be reduced to three years’ NCB after a first claim.

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

Pick your insurer

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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!

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Understand your no claims discount

Standard practice

This seemed excessive, so we got in touch with the Association of British Insurer (ABI), to find out if there is an industry standard when it comes to the allocation of NCB.

It turns out there isn’t, and it’s completely at the discretion of each insurer. Stephen Sobey from the ABI said: “The no claims bonus is a tool used differently by each insurer, there is no standard formula across the industry.

So we did some shopping around of our own, to find out how different insurer measure up against each other when it comes to deducting NCB, specifically in the case of our customer who had accumulated eight years’ NCB before making a claim.

The results were eye-opening to say the least…

How a claim affects your NCB

Swinton was not able to answer our query as it said there were too many variables to be able to provide this level of detail.

Esure and Sheila’s Wheels don’t disclose their specific NCB scales while AA Insurance Services simply state that in the event of a claim : “Your No Claim Bonus will be reduced at renewal in accordance with the insurer’s ‘step back’ scale at the time of renewal (usually to the equivalent of 0, 1 or 2 years) subject to any No Claim Bonus Protection condition that may apply to this insurance.”

We also contacted Carrot, a telematics insurer, to see what its position was and were told this wasn’t really relevant to the average telematics customer.

This type of cover is aimed at younger drivers and once they have five years’ driving under their belt, it’s probably more cost-effective to move on to a traditional insurance policy. This is something I took a closer look at in the video below and in my article Putting telematics to the test.

So, how many years’ NCB should be deducted?

In short, although it’s standard practice to deduct two years’ NCB after a claim, if you’ve accumulated over five years’ NCB in most cases this will be cut back to just three following a claim.

Just three of the insurers we contacted had a different policy – Allianz honour the two years no matter how many years’ you have accumulated, so our customer would have had six years’ NCB at renewal, while Swiftcover has a sliding scale which means your NCB will be cut back to four years if you’ve accumulated six or more years’ NCB.

LV also puts customers with nine years’ NCB back to four should they make a claim.

Admiral also included an interesting caveat in its terms and conditions, where it stated: “This is a No Claims Bonus and not a no blame bonus. If a claim occurs which is not your fault and we have to make a payment, your No Claims Bonus will be reduced unless we can get back all that we paid from those responsible.”

So even if you make a claim for an accident that wasn’t your fault you’ll get your NCB cut unless a settlement can be reached with the guilty party’s insurers.

All of which throws the importance of NCB protection into sharper focus.

Is it worth protecting your NCB?

The common consensus is that protecting your NCB is only worthwhile up to a certain point and that, the longer you go with NCB protection but without making a claim, the less cost-effective it becomes. This is something I cover in more detail in my article Should you protect your no claims discount?

However, this works on the assumption that insurers will cut your NCB by just two years should you make a claim. But these latest findings show this is clearly not the case as, in most instances, you’ll be knocked back to just three years’ discount, regardless of the number of years of claim-free motoring you’ve accrued – and most insurers don’t apply the maximum discount until you have at least five years’ NCB.

How long is proof of no claims valid for?

Your proof of NCB is usually only valid for two years – so if you’re off the road for any reason or don’t have your own policy for more than two years, you’ll have to start from scratch the next time you take out cover.

Kevin Pratt, insurance expert at MoneySuperMarket, said: “It’s often assumed insurers will deduct two years’ worth of NCB in the event of a claim, but it’s not that straightforward. The system operated by most insurers could have serious cost implications for motorists who have to make a claim.

“This means paying for NCB protection is an option customers should consider when shopping around for cover.

“It’s also important to remember that your NCB is portable, so you can still shop around to find the best insurance deal without having to worry that you might jeopardise your discount.”

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Casinos will be very clear as to how you can receive your FreePlay vouchers. The terms and conditions attached to each will be different. Nevertheless, free play gives you a head start and allows you to have all the fun and excitement, without the added risk.

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Online casino cashback offers give players an added boost by refunding partial losses they may incur when gambling online. Only certain games will be eligible for the cashback offer. It is important to keep a few things in mind when choosing the cashback offer that is right for you.

Be sure to meticulously read the terms and conditions and ensure that you are fully aware of all of the conditions that must be satisfied before making your decision.

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Will I be able to fulfil the wagering requirements? – Committing to wagering requirements can be a tough decision. Once you have done your calculations and know how much you need to wager, check your pocket and see if you can foot the bill. There is no point opting in for a cashback promotion that you won’t be able to follow through.

How often can I get my hands on cashback bonuses? – Some casinos offer weekly cashback offers, while other casinos are more conservative with this type of promotion. You should familiarise yourself with the casino’s cashback program before you sign up or opt in for the offer.

Is the cashback a permanent fixture at this casino? – Some casinos integrate their cashback promotion and make it a central component on their site. However, some operators only have cashback offers that are available for a select amount of days, weeks or months.

It is also important to find out what select games the cashback promotion is attached to. It is advised that you stay away from cashback promotions that are temporary and only offered on a few games.

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No Deposit Casino Bonus Codes – Free No Deposit Online Casinos, no claim bonus.#No #claim #bonus


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Many online casinos offer free casino money to attract new players. This is great opportunity to try real money casino games online without making deposit – without risk . Free bonuses without deposit required are similar to casino funbook offers at land-based casinos – just like free slot or free blackjack play. Players even have opportunity to withdraw winnings after the withdrawal conditions are met.

Currently many no deposit casinos online offer free casino money just for signing up at their casino and registering real money account. These free casino chips at online casinos are called no deposit casino bonuses .

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Can I just get and cash out the free casino money or is there any catch?

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Withdrawal requirements and conditions of no deposit casino codes

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If you have played in real brick and mortar poker room you know that the drinks are free and you can get compliments for food in the casino buffet or coffee shop or even hotel room. These poker rooms just want to show their poker players how they appreciate them. In return the poker players play at poker room and come back again. It wouldn’t be easy to accomodate such a deals at online poker rooms. Fortunately there are several poker sites that came up with alternative promotion of excellet value for their players.

Online poker rooms do not have any options to provide customer care like the ones in live casinos. So they are trying to find some different ways how to attract poker players and show them appreciation. Instead of free food, drinks or hotel rooms, online poker rooms give away free poker money !

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Is it really free poker money no deposit required?

There is no catch , no deposit poker rooms just want you to try them for free. Just as in the players club promotions at Vegas casinos, but online free poker cash offers are even more generous because of the lower costs. Just like casino compliments in Vegas also winnings resulting from online no deposit bonuses can be cashed out after required number of bets (raked poker hands). If you get lucky or have good poker skills and know how to play poker and win then you can turn this free poker cash into poker bankroll , possible winnings are unlimited. If not, these free no deposit poker bonus offers will help you to discover what kind of players play at poker room and if there is possibility to be profitable. Then you can take advantage of their usually generous poker deposit bonus and get even more free poker money .

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How do I claim the no deposit poker bonuses?

Free poker money are issued at most online poker rooms in form of no deposit poker bonuses . These are similar to regular online poker bonus offers. You need to meet playthrough requirements before you can cash your free pokerwinnings out. You also have to meet the minimum withdrawal requirement and sometimes a minimum deposit is needed in order to set up the payment method that will be used for withdrawing the winnings..

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Before you can receive these free poker money offers, the no deposit poker sites need to make sure you are legal age and that you do not claim no deposit bonus multiple times. That’s why some free money poker rooms need you to register credit card. Giving a credit card number to reputable online poker room, as are all reviewed by Casinator, is safer than paying at local gas station with same card. Most no deposit poker sites do not even need you to register credit card, you just send them copy of your ID (sometimes this is not needed when you register and claim the bonus but when you are trying to withdraw) or they will call you to confirm your identity and personal details.

Free poker money no deposit can be claimed in 3 forms:

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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.

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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


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  • 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!

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

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

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          • 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

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            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.

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            A proposal for a different kind of prototype in San Diego: a binational border park

            Mom: How do I spend the rest of my life without my daughter?

            First trial in Texas biker fight case ends in mistrial

            Church shooting victims honored

            Ruling stopping execution raises conservative ire at state high court

            Pope reaffirms conscience as heresy debate divides church

            Judge rules suit in jail death can go forward

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            SALUTING VETERANS: Residents honor soldiers past and present at annual parade

            American Legion commander to speak at Post 58

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            Copyright, Privacy Policy, Terms Conditions – Copyright 2015, Texarkana Gazette, Inc. All rights reserved. This document may not be reprinted without the express written permission of Texarkana Gazette, Inc.



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            Johnson needs win to chase 8th NASCAR championship

            MU men s basketball tops Iowa State in front of sellout crowd

            Blaney wins pole for playoff race at Phoenix

            Olympic gymnast Aly Raisman: I was abused by doctor

            Statue of former Missouri coach Norm Stewart unveiled

            Missouri hosts Tennessee team dealing with numerous injuries

            Jerry Jones: Objection to Goodell deal not about Elliott ban

            Missouri hoops teams, wrestling adding athletes to 2018 class

            Cowboys Morris ready to replace Elliott at RB

            Missouri women s basketball upset in season opener

            College Volleyball: Engelbrecht surpasses 5,000 career assists

            S. Callaway student assaults school staff member

            Holts Summit aldermen discuss sign ordinance

            Veteran s military career spans US Army, state regiment, Marine Corps

            Rotary car raffle benefits local groups

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            Reclaim Mis Sold Bank Account Charges, No Win No Fee Bank Charge Refunds, no win no claim.#No #win #no #claim


            Terms and Conditions

            Obligations of the Company

            •To act in the best interests of the client in pursuing any potential claim against any financial institution.

            • To provide the client with impartial advice on the risks and benefits of pursuing a claim against any financial institution.

            •To advise the client on the suitability of any offer of settlement on behalf of any financial institution.

            Obligations of the client

            •To provide the Company with full and accurate information and not mislead the Company in any way.

            •To respond to any request from the Company for instructions or further information without delay.

            •To advise the Company of any change in address details or contact telephone numbers immediately.

            Rights of the Company

            •To decide at any time not pursue the claim, for whatever reason, but to give the Client written notice of same within 5 working days from the date of such decision.

            Rights of the Client

            •The Client shall have the right to terminate the Contract within 14 days of signing the Authority and Agreement and in that case shall not incur any fee from the Company. Notice should be made in writing to the Company and will be effective from the date posted by the Client. The Client should obtain and retain proof of postage to verify the date posted.

            •Should the notice be received after 14 days of signing the agreement and before any redress is offered by the lender the company shall charge reasonable costs associated with the claim but not exceeding £250.00. If the notice to terminate the contract is received after any offer of redress is made in accordance with the Financial Conduct Authority and Financial Ombudsman guidelines then the full fee of 20% + VAT of the total amount of redress will become payable. The company will confirm its charges on receipt of notice to terminate.

            Fees and Charges

            The Company’s fees will be 20% + VAT of the total financial settlement. We operate on a No Win, No Fee basis; the only occasion where charges would apply is if the Contract is cancelled by the Client after the 14 day ‘cooling off’ period. See section ‘Rights of the Client’ paragraph 1 for an explanation of early cancellation costs.

            Our fee is charged on a successful claim on the total amount of refund obtained. This also applies where an account is in arrears; the lending institution may decide to use all or part of any refund to reduce the client’s indebtedness to them. The amount taken to repay arrears would also be charged at 20% + VAT of the amount. Be advised the 8% compensatory interest is subject to tax as considered a windfall by HMRC.

            This firm is regulated by the Claims Management Regulator in respect of regulated claims management activities. If we do not provide a satisfactory response to your complaint within eight (8) weeks of receipt of complaint. If dissatisfied with the service provided by our firm you can make a complaint by any reasonable means (letter, telephone, e-mail or in person). The firm will acknowledge complaint within five (5) business days of receipt. A Final Response within eight (8) weeks. If you are dissatisfied with final response you can contact Claims Management Regulation Unit in writing at 57-60 High Street, Burton-on-Trent, Staffordshire DE14 1JS or by telephone on 03332001321. For further information on the MOJ regulations for claims management please see the information provided on the MOJ website at http://www.justice.gov.uk/claims-regulation/information-for-consumers

            All information provided to the Company by the Client will be held and controlled in compliance with the provisions of the Data Protection Act 1998. The company’s complaints procedure is readily available and can be provided on request please email [email protected] or view on website www.quantumrefunds.co.uk

            THE UNDERSIGNED CONFIRMS HAVING RECEIVED AND READ A COPY OF THE “NO WIN NO FEE AGREEMENT” FROM QUANTUM REFUNDS LTD AND CONFIRMS THAT THE TERMS ARE ACCEPTED AS THE BINDING AGREEMENT IN CONNECTION WITH SERVICES PROVIDED BY QUANTUM REFUNDS LTD

            No win no claim



            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.



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



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


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

            No claims bonus 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.”



            Fleet Management News – Business Info, Commercial Carrier Journal, named driver no claims bonus.#Named #driver #no #claims #bonus


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            Named driver no claims bonus

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            No Claims Bonus – how it works to give you discount, named driver no claims bonus.#Named #driver #no #claims #bonus


            No Claims Bonus – how it works to give you discount

            @AdmiralUK Named driver no claims bonus

            Named driver no claims bonus Named driver no claims bonus Named driver no claims bonus Named driver no claims bonus

            Get advice on buying your car insurance policy and how your No Claims Bonus works

            Every year you drive without making a claim or having a claim upheld against you, we give you a discount off your renewal premium – often referred to as a No Claims Bonus or No Claims Discount.

            If there are still no claims on your policy, you keep getting a discount. You can build up this bonus for a maximum of 15 years.

            Don’t forget, with our Bonus Accelerator, you could get a whole year’s worth in just 10 months.

            Can I bring my Bonus with me from another insurer?

            Yes, you’ll just need to send us the renewal notice your previous insurer sent you and your NCB proof, which they will also provide.

            How much discount do I get each year?

            What happens if I make a claim?

            It depends what the claim is for; payments for windscreen damage or emergency treatment fees won’t affect it. Likewise, if the accident was the other person’s fault and we recover all the money from their insurers, you won’t lose your No Claims Bonus.

            Even if you do have to claim for an accident that was your fault, you could still keep some of your NCB. If you make one claim during your insurance period, you’ll lose two years of the Bonus.

            So, if you have five or more years No Claims Bonus, it will reduce to three years at renewal.

            You’d still get a discount off your premium, and it wouldn’t take so long to build it back up.

            If you make two claims during the period you’re insured for, you’d lose four years No Claims Bonus, and if you made three or more claims during the period you’re insured for, you’d lose them all.

            What if the accident wasn’t my fault?

            If it was their fault and their third party insurer pays out, it will not impact on your Bonus. However, this doesn’t mean your policy won’t be affected. Insurance is all about risk – and as part of this an insurer will look at the number of accidents you have, both fault and non-fault.

            There are circumstances which could mean you lose your No Claims Bonus even if the accident wasn’t your fault. If, for example, you were hit by an uninsured driver, the claim would need to be made through your insurer rather than the third party’s and if your Bonus isn’t protected you may lose some of it.

            What if I’ve been away from driving?

            No claims discounts tend to lapse after a couple of years which is worth bearing in mind if you’re returning to the road after some time away.

            However, it’s always worth discussing with your new insurer as, depending on how long it’s been, they may be able to accept some of the bonus if you still have proof of your last policy.

            What is protected No Claims Bonus for car insurance?

            You can pay to guarantee or protect your No Claims Bonus. ‘Guaranteed’ means a claim won’t reduce your bonus but you won’t get extra discount that insurance period. ‘Protected’ allows two claims in three years before the bonus is reduced, and, again, you won’t get any discount in that period.

            The difference between the Guaranteed and Protected schemes is with Protected, if you keep on making claims in consecutive insurance periods, you can lose the protection and ultimately, some of your discount too.

            Where your Bonus remains unaffected, in most instances a claim will lead to some increase in premium at renewal. However, our motor premium calculation will include the discount to which you are entitled. You can read the details in our policy booklet.

            Can a named driver on my policy earn their own?

            Yes, named driver No Claims Bonus applies and they can build up their own to use on another Admiral policy, ready for when they take out their own insurance. It’s ideal if you’ve put your son or daughter on your policy, as it should help make their insurance easier to afford when they have their own car.

            Admiral Car Sharing Insurance also allows occasional drivers to build their own No Claims Bonus. If you borrow a car from more than 30 days in a 12 month period and do not make a claim, you can receive a No Claims Bonus that is valid to use the next time you carry out a temporary Car Sharing Insurance policy and for your own insurance policy at the end of the 12 month period.

            What about MultiCar and MultiCover?

            Each driver on the MultiCar policy builds up their own Bonus (it works the same way as named drivers, above). If one driver on the policy makes a claim and loses some or all of their No Claims Bonus, it doesn’t affect the other drivers.

            MultiCover includes home insurance with your existing MultiCar Insurance. It’s a great way to reduce the time you spend on the phone to an insurance agent as well as the number of policies you need to keep track of. If you make a claim on your home insurance while on a MultiCover policy it won’t affect your motor No Claims Bonus.

            Car insurance: Mirror NCB

            If you’ve earned NCB on one vehicle you may be able to mirror it on a second vehicle. Admiral can sometimes mirror NCB from the first car onto the second vehicle on a Multi-Car policy. Mirroring NCB for a second car is not a guarantee and is subject to criteria including the policyholder being the main user of both vehicles, claim-free and over 25 years old.

            How do I submit proof of my No Claims Bonus?

            If you are a new customer and you need to submit proof from your previous insurers you can do so through our online form.

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            Named Driver Car Insurance, named driver no claims.#Named #driver #no #claims


            Named Driver Car Insurance

            By Les Roberts on Tuesday 10 November 2015

            Named driver no claims

            Why should I consider named driver insurance?

            Car insurance can cost a fortune for some people such as young drivers who have only recently passed their test and those with a motoring conviction. Premiums are higher because insurers perceive these individuals as being higher risk.

            But all is not lost if you fall into one of the above groups, as there is a simple way to keep costs down, and that involves adding an older or more experienced motorist to your policy. Alternatively, you could also look into becoming a named driver on another motorist’s policy.

            That said, while both these options may seem very appealing if you’re facing sky-high motor insurance premiums, you do need to beware of a few things before going ahead with this arrangement. Here we take a look at the things you need to consider.

            How does adding a driver impact on motor insurance premiums?

            As a motorist, it is a legal requirement to have car cover in place. When applying for a policy you will need to provide the insurer with not only your own name, but also details of any other individuals you want added alongside the main driver. Once you’ve given the details of the named driver, he or she will have the same level of cover as you.

            By adding a named driver you can help to bring down the cost of your car insurance premium, because you won’t be the only person driving the car and therefore the associated cost is lessened.

            Your insurer will base the named driver insurance premium on the fact you will be spending less time in the car – thereby reducing the chances of you having an accident and making a claim.

            It’s also possible to get your name added to someone else’s policy; for example, as a young driver, you could add your name to your parent’s car insurance policy. Having done this, you are perfectly within the law to use that car.

            Crucially however, you need to be aware that if you are a named driver, you usually won’t be able to build up your own no-claims record – so won’t be able to benefit from a no-claims discount (NCD) on your car insurance in the future.

            Admittedly, some insurers will permit named drivers to earn their own NCD which can be used to get lower car insurance premiums further down the line, but this is usually only the case if you stay with the same insurer.

            If you’re considering this, you need to do a bit of research, as there are rarely rewards for loyalty when it comes to insurance – so you need to weigh up the benefits of being able to use your NCD with your existing insurer against switching to a new insurer offering a lower motor insurance premium.

            It’s worth trying to pay your full premium upfront, rather than in monthly instalments by direct debit, as paying monthly will cost you more

            Don’t fall into the fronting trap

            While the idea of a named driver car insurance policy may sound very appealing – and significantly lighter on your wallet – you need to tread very carefully, or you could fall foul of the law.

            If you are the main driver of a vehicle the insurance for that car must be in your name. If it isn’t you are breaking the law and committing a crime called fronting. Your motor insurance is effectively invalid and if the insurer finds out, you are likely to have any claim turned down.

            In some cases, you could even find your cover is cancelled altogether. This could leave you stuck struggling to get car insurance in the future, as you would then have to declare the fact you had fronted to other car insurance companies – who may then refuse to cover you.

            As a younger motorist, the repercussions can be even more severe, because if you make a claim and the insurer then discovers you are the main driver – and not the named driver – you could find not only that your insurance has been invalidated, but that you have also got six points on your licence for driving uninsured.

            For young drivers, six points means an instant ban; this, in turn, could make it a great deal harder to get affordable cover further down the line.

            What other steps can you take to drive down the cost of car cover?

            If you are struggling to get to grips with costly car insurance, there are plenty of other steps you can take to keep costs down, aside from opting for a named driver car insurance policy.

            One of the best ways to reduce your car insurance premiums is by driving carefully and sensibly and building up a no-claims discount. Many insurers give discounts of up to 70% to drivers who haven’t claimed for more than five years. Sticking to the speed limit will also save you money, as points on your licence will bump up the cost of your cover.

            Where possible, it’s worth trying to pay your full premium upfront, rather than in monthly instalments by direct debit, as paying monthly will cost you more.

            A black box insurance policy could be a good option. This is where you have a ‘black box’ fitted into your car so the insurer can monitor how you drive. If you show you drive safely and responsibly you can then benefit from discounts on your premium. Telematics insurance is becoming an increasingly popular option for young drivers as they face the steepest premiums. You can find out more about what it is and how it works by reading our guide to telematics insurance.

            You could also consider paying a higher excess as this can mean a lower premium; the excess is the chunk of the cost you pay yourself in the event of a claim. You therefore need to make sure you can afford to pay out for the higher excess if you do have to make a claim.

            Young drivers could look into taking the Pass Plus course. This advanced driving course can result in a discount when you come to take out cover.

            While you may have considered trying to save money by limiting your cover to third party, fire and theft (TPFT), you need to check the cost, as in recent years, TPFT has got more expensive – and could now cost more than the average comprehensive premium.

            A better way to cut costs is by improving the security features of your car, such as adding an alarm or an immobiliser; you should also try and park your car in a garage or driveway if you can, as most insurers will give you a discount for keeping your car somewhere safe.

            When buying a car, also consider how much it will cost to insure, as you will, for example, pay extra to cover a smart little sporty model.

            Finally, never automatically renew your cover with your existing insurer at renewal time, as you should be able to find a far more competitive deal by shopping around.

            One of the simplest ways to do this is by logging onto MoneySuperMarket’s car insurance comparison page; here you can compare named driver car insurance quotes available through leading providers.

            Aside from these tips, there are a host of other things you can do to keep a lid on costs; for more ideas visit our money-saving tips page.

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            Adding a named driver on car insurance, MoneySuperMarket, named driver no claims.#Named #driver #no #claims


            Adding a named driver on car insurance: all you need to know

            Named driver no claims

            by Kevin Pratt

            Consumer affairs expert

            Wednesday 12 Jul 2017

            Save money on your car insurance

            Originally published March 7th 2017

            If your friend asks to borrow your car for the day, or you want your daughter to be able to drive your car, you need to make sure that appropriate insurance is in place. Here we answer your questions on additional, named drivers.

            What is a named driver?

            A named driver is a someone who is insured to drive a vehicle in which another person does most of the driving. When driving that vehicle, the named driver will have the same level of cover as the main driver.

            Can I add another driver to my insurance policy?

            Yes. You can normally add one or more drivers to your existing car insurance. If it’s a new policy, you can simply provide the details when you take out the cover.

            What will the insurer need to know about the additional driver?

            The insurer will typically want to know the name, age, marital status, address and occupation of any additional drivers. Plus, you will have to give information about any accidents or motoring convictions.

            How much does it cost to add a driver to my policy?

            If you are adding a driver to your existing insurance, you might have to pay a fee to amend the policy, which could be about £30. The effect on the premium depends largely on the risk profile of the additional driver. If you are a parent and want to add a young driver to your policy, the price could be high because younger motorists are statistically riskier than older drivers. On the other hand, if you have just passed your test and want to add your mother or father to your insurance as a named driver, you could earn a discount on your premium.

            Is the additional driver different from the main driver?

            Yes – and you should not confuse the two. Some people put the additional driver down as the main driver in order to reduce the insurance premium (usually a parent claiming to be the main driver on one of their children’s policies). This is a practice known as ‘fronting’, which is illegal and could lead to a criminal conviction. It could also invalidate your insurance and make it more difficult and more expensive for you to buy cover in the future.

            What happens if the additional driver has an accident?

            If the additional driver causes an accident in your car and you have to make claim, it will affect your no claims discount, even if you were nowhere near the vehicle at the time.

            Can I add a driver onto my policy permanently?

            You can normally add a driver for the duration of your policy. Alternatively, many insurers allow you to add a driver temporarily. The temporary period is usually about 90 days, though it does not have to be taken all at once.

            Can my insurer refuse an additional driver?

            Some insurers automatically refuse to cover learner or young motorists as additional drivers. If the person has a poor driving history, they might also be turned down. Some insurers will charge a high amount as a way to deter you from adding a driver they don’t want to insure.

            Do I need to tell the driver that I have added their name to my policy?

            Yes. You cannot add a driver to your policy without their permission. So, always ask first. This is another defence against ‘fronting’.

            Should additional drivers inform their own insurers?

            If the additional driver has their own policy, they should tell their insurer that they are covered to drive another vehicle as an additional driver.

            Do I need to bother adding drivers to my policy if they already have their own insurance?

            Some insurance policies cover the main policyholder to drive another vehicle with that vehicle owner’s permission. However, it is not always the case, and any cover is likely to be third party only, even if the main policy is comprehensive. You should not therefore assume that adequate insurance is in place.

            Can I include additional drivers when I search for motor insurance quotes?

            MoneySuperMarket’s comparison service allows you to name up to three additional drivers when you are looking for the best deal on your motor insurance. So the price you are quoted will reflect the actual scope of the insurance you’re looking for.

            I’m a named driver on another car, can I drive it in other EU countries?

            If you’re a ‘named’ driver on someone else’s policy, you can drive abroad, although you’ll most likely only have third party cover, so you might want to pay for more protection. Remember the main driver must do the majority of the driving, so if you drive the car more than them (say you cover more miles during the trip), any claim you have to make could be challenged.

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            Here is what happens when a driver is excluded from an auto policy, named driver no claims.#Named #driver #no #claims


            ‘Excluded’ really means you’re excluded. No, seriously.

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            No one likes to feel excluded, but if it’s a car insurance company that’s singling you out for an exclusion, you’d better listen.

            What is a ‘named driver exclusion’?

            Some insurance policies come with a named driver exclusion. It states that one or more individuals in your household may not operate the insured vehicle. If an excluded individual drives the car and gets into an accident, the insurance company doesn’t have to pay for the damage.

            Car insurance typically operates under a principle of “permissive use,” explains John Montevideo, past president of the Consumer Attorneys of California. If you loan your car to someone and he or she has an accident, that driver typically is covered as a permissive user under your policy.

            If the driver has been explicitly excluded on your policy, however, the concept of permissive use goes out the window, as do the insurer’s traditional responsibilities to defend and indemnify. Damage to your vehicle won’t be covered by the insurer, and both the policyholder and the driver can be held personally liable for any damages caused to others in the crash.

            Exclusions typically aren’t arbitrary. They’re meant to make sure that a high-risk driver in your household won’t get behind the wheel.

            “It could be somebody that perhaps has a suspended license, or a DUI, or a bad driving record,” says Penny Gusner, consumer analyst for Insure.com. “Excluding such drivers minimizes risk for the insurance company.”

            Exclude a driver and save

            It’s not always the insurance company that inserts exclusions into your policy. Sometimes policyholders request exclusions to lower their premiums.

            “Some exclusions are from insurance companies, or it could be you saying, ‘This person is not going to drive, and he’s pushing up my rates,'” says Gusner.

            She points out that California has a good-driver discount, which can save you big money with the best auto insurance companies. Drivers who qualify for the good-driver discount get rates at least 20 percent lower than those who do not qualify for the discount.

            A California law allows you to exclude drivers in your household who could cause you to lose that discount.

            “In many states the discount is substantial, which is the reason the insured might request for an exclusion to apply,” says Chris Wukovits, manager of AAA New York Insurance Services.

            Wukovits notes that not every state allows car insurance companies to write policies with such exclusions. They’re legal under the state laws of Arizona, California and Texas, he says, but are prohibited in New York.

            Some states allow exclusions but impose limitations on their use. For example, Gusner says North Carolina doesn’t allow you to exclude your spouse. Contact your state department of insurance or insurance agent to determine what is permitted if you want to exclude someone from your auto policy.

            No excuses

            If your policy has exclusions, your insurance company won’t accept any excuses for allowing excluded persons to drive.

            Perhaps no one would fault you for allowing your excluded spouse to drive you to the hospital if you were having a heart attack. However, if he or she got into accident on the way, the insurance company would be within its rights to refuse coverage. Excluded means excluded, period. There are no loopholes.

            The good news is that an exclusion isn’t forever, but you’ll have to contact your insurance company and ask for it to be removed. Keep in mind that the insurer is under no obligation to comply with your request.

            Once an exclusion is imposed, typically it remains in place until you and your insurance company mutually decide to take it off the policy, says Gusner. “Some drivers think it’s only until the end of the policy term, but that’s not usually the case.”

            If the exclusion has been prompted by a black mark on someone s driving record, such as a DUI, you’ll likely have to wait until the offense drops off their DMV record before you can have the exclusion removed from the insurance policy.

            There are steps that risky drivers can take to improve your driving record in order to reduce your insurance premiums.

            Don’t skip the fine print

            Typically, only high-risk drivers wind up excluded from policies. But that’s not always the case. Montevideo says he has seen a trend among small, low-cost insurers — which tend to offer monthly policies rather than six- or 12-month contracts — to simply exclude every member of a household other than the policyholder. These policies are sometimes referred to as “named-driver only” policies. It s a way to control claims costs.

            He says there are extreme cases where children too young to drive are excluded from policies. “They’re basically saying, ‘We’re going to exclude even the dog, if we can find his name.’ It’s overkill, really.”

            So even if you haven’t asked for a member of your household to be excluded, check with your insurance agent and read your policy carefully. The last thing you want is to find out too late that your child or spouse wasn’t supposed to be driving the car he or she just crashed.

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            Bonus Bagging Review – Is It a Scam or a Legit Loophole, no claims bonus expiry.#No #claims #bonus #expiry


            Bonus Bagging Review Is It a Scam or a Legit Loophole?

            You ve probably arrived at this bonus bagging review to answer the following question:

            Is it really possible to make £500 a month from Mike Cruickshank’s Bonus Bagging service?

            You may even be questioning whether the Bonus Bagging service is legitimate? Is it a scam? Or whether guaranteed risk-free profits are achievable from a service costing so little?

            It all seems too good to be true and you’ve every right to be sceptical but as somebody who has partaken in Bonus Bagging for a number of years I can very Mike Cruickshank s product is legit, easy to use and accessible to anyone and everyone regardless of any personal knowledge of interest in online betting.

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            This Bonus Bagging service is as good as its word.

            So how does Bonus Bagging work? The premise is incredibly simple:

            1. Sign up and deposit with a bookmaker offering an introductory bonus.
            2. Place a bet at the bookmaker to qualify for their free bet.
            3. LAY a bet AGAINST the selection at the Betfair betting exchange to cover all outcomes and eliminate risk.
            4. Wait for the event to finish and for the bookmaker to credit the introductory bonus money.
            5. Repeat steps 1-3 with the newly awarded free bet and lock in a profit.
            6. Withdraw the winnings and hit up the next bookmaker wanting to give us free cash.

            I advise you read through this formula a couple of times so it s clear in your head. Pay special attention to the bold text.

            Through laying off our qualifying bet at Betfair the outcome of the event we are wagering on becomes irrelevant.

            Our bet will either win at the bookmaker or win at Betfair. It CANNOT lose.

            This is known as arbitrage betting of which can be very profitable in its own right but even more so when combined with free bets.

            This works through fact that the online betting world is a very saturated and competitive industry. The only real way bookmakers can get our attention and encourage us to place our bets with them is by offering us freebies. With Bonus Bagging we are simply exploiting this fact and methodologically signing up with a bookmaker, qualifying for their bonus offer, extracting their free bet and withdrawing our balance before moving on to the next.

            It s easy to see that through Bonus Bagging it is very easy to accrue significant amounts of tax-free cash in a very short period of time but please note: this product is ONLY recommended for UK IRELAND residents.

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            Bonus Bagging is only recommended for UK Ireland residents.

            I ve lost count of the number of comments on this page and emails I ve received asking whether Bonus Bagging will work in a country outside of the UK Ireland but sadly I can never respond with positive news. Why? The majority of bookmakers will only issue bonuses to residents of these two nations. It s laid out like so in their terms and conditions.

            Some bookmakers may provide exception to this rule but most do not and you cannot expect anywhere near the same kind of returns if you are elsewhere in the world. Sorry to be the bearer of bad news.

            Ok little disclaimer aside.. If you ARE from the UK Ireland let s get back on to the review:

            When I started out Bonus Bagging I learnt the hard way. I scoured the Internet for weeks and weeks searching all manner of sites and forums for information before I dared place my first bet. It was a nerve-wracking experience staking my own money for those first few times. Whilst it is true that Bonus Bagging is completely risk-free – it is only so if done properly. We are all human and it is possible to make mistakes. That is why I am a huge advocate of having someone like Mike to hold your hand as you begin the Bonus Bagging trail. Having the immediate insight to begin betting straight away without weeks of tiring research and to know that any questions or anxieties can be solved in a few hours over email thanks to Mike’s swift and responsive support is in my opinion invaluable.

            You do not need any prior knowledge of betting to use the Bonus Bagging service. The choice of bookmaker, stake size of bets and odds to bet on are all automatically generated for you and sent to your inbox through click of a button.

            When you sign up to Mike s service you are presented with a control centre for purpose of finding and placing bets. When you are ready to bag your next bonus it s as easy as pressing the Request Bet button on the site. Very shortly (often within minutes!) Mike will email you with precise instructions. When that bet settles you Claim Free Bet then repeat the process again and again. Be sure to watch my bonus bagging video guide if you want to see it in action.

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            Requesting a bet is as easy as clicking a button.

            Bonus Bagging couldn t be simpler to use and requires no research on your part.

            That said even as somebody who before finding Mike Cruickshank’s Bonus Bagging had already signed up to an amass of bookmakers and successfully extracted bonuses from them through arbitrage betting, what impressed me about this service was the introduction of a number of bookmakers I had never even heard of who were ripe for the picking. You can event expect to receive emails highlighting positive expected value casino offers that represent an excellent chance of profit.

            Life is made easy for you in finding these offers. Mike is persistently hunting for the best reload bonuses and special offers to bring to your attention and will regularly sends out video guides demonstrating how to profit from them as he does.

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            Mike regularly sends out reload bonus instructional emails.

            Bonus Bagging for me is a bit of a hobby. The money is a welcome addition to my piggy bank and repeatedly hammering the bookmakers is a satisfying feeling. I used to undertake the whole process manually and would literally spend hours scrolling through bookmaker odds looking for the right bets. Now through using Mike s Bonus Bagging Service I m able to achieve the same results without doing any of the research myself and therefore freeing up time to enjoy the money I m making. In conducting a 7-day bonus bagging trial I demonstrated generating over £100 for about 10 minutes work a day. That works out to a rate of over £85/hour!

            Remember: this is not gambling. You are simply playing the bookmaker against Betfair betting exchange to extract and profit from their sign up free bet bonuses.

            It s perfectly understandable that on first glance you might discount this service on the fact it takes advantage of bookmaker offers. If you do so you would be missing a pile of tax-free cash (winnings from bets are not a taxable income in the UK) that is there for the taking. If you re still a little unfamiliar with the process then you can find a lot more information throughout this site and downloadable in the form of my free eBook which should help explain things more clearly.

            If you re a regular reader here then you ll know that it s a rarity for me to be this passionate about a product. If you re still on the fence however about giving it a shot then you ll be pleased to hear that Mike offers a 60-day Clickbank no quibble money back guarantee to which he happily quoted when I interviewed him about the service he offers. He’s that confident you will like what you find. And to be frank, I am too.



            No claims discount explained, no claims bonus for named drivers.#No #claims #bonus #for #named #drivers


            No claims discount explained

            No claims bonus for named drivers

            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

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            How does no claims bonus work, MoneySuperMarket, no claims bonus for named drivers.#No #claims #bonus #for #named #drivers


            How does no claims bonus work?

            No claims bonus for named drivers

            by Les Roberts

            Car insurance expert

            Tuesday 27 Jun 2017

            Save money on your car insurance

            Originally published April 1st 2016

            Of all the ways to cut the cost of car insurance, accumulating several years’ no claims bonus (NCB) is arguably the most effective.

            So if you’ve built up five or more years of claims-free motoring, you should be able to bag yourself a decent discount on the cost of cover.

            As simple as this sounds in theory, in practice it can be a lot more complicated – each insurer plays by its own rules, which can cause confusion and distress if you have to make a claim or get confirmation of proof.

            What is no claims bonus (NCB)?

            For every year you drive without making a claim on your car insurance your insurer will give you one year’s no claims bonus (NCB) that will give you a discount on the cost of cover at renewal.

            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.

            Counting the cost of making a claim

            This issue of NCB deductions – when the value of an NCB is slashed – came to our attention when a concerned customer contacted us via the comments section of our motoring blog.

            She’d seen her eight year-NCB cut to just three after making a claim – a much bigger drop than she was expecting.

            The customer wrote: “I am insured with Churchill, I have 8 years no claims. Unfortunately, I had an accident and Churchill informed me I would lose 2 years no claims and added that because they only consider 5 years they will be leaving me with 3 years no claims bonus.

            “Surely this is wrong because when my renewal is up and I search elsewhere there ARE other insurance companies who consider 9+ years. Does anybody have any advice regarding this?

            How many years’ NCB should be deducted?

            If you make a claim on your car insurance, the industry norm is to deduct two years’ worth of NCB.

            We contacted Churchill to check its position and whether the customer would, in effect, lose five years’ NCB following her claim.

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

            However, if a customer makes a claim and they have over five years’ NCB this will be reduced to three years’ NCB after a first claim.

            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

            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

            Standard practice

            This seemed excessive, so we got in touch with the Association of British Insurer (ABI), to find out if there is an industry standard when it comes to the allocation of NCB.

            It turns out there isn’t, and it’s completely at the discretion of each insurer. Stephen Sobey from the ABI said: “The no claims bonus is a tool used differently by each insurer, there is no standard formula across the industry.

            So we did some shopping around of our own, to find out how different insurer measure up against each other when it comes to deducting NCB, specifically in the case of our customer who had accumulated eight years’ NCB before making a claim.

            The results were eye-opening to say the least…

            How a claim affects your NCB

            Swinton was not able to answer our query as it said there were too many variables to be able to provide this level of detail.

            Esure and Sheila’s Wheels don’t disclose their specific NCB scales while AA Insurance Services simply state that in the event of a claim : “Your No Claim Bonus will be reduced at renewal in accordance with the insurer’s ‘step back’ scale at the time of renewal (usually to the equivalent of 0, 1 or 2 years) subject to any No Claim Bonus Protection condition that may apply to this insurance.”

            We also contacted Carrot, a telematics insurer, to see what its position was and were told this wasn’t really relevant to the average telematics customer.

            This type of cover is aimed at younger drivers and once they have five years’ driving under their belt, it’s probably more cost-effective to move on to a traditional insurance policy. This is something I took a closer look at in the video below and in my article Putting telematics to the test.

            So, how many years’ NCB should be deducted?

            In short, although it’s standard practice to deduct two years’ NCB after a claim, if you’ve accumulated over five years’ NCB in most cases this will be cut back to just three following a claim.

            Just three of the insurers we contacted had a different policy – Allianz honour the two years no matter how many years’ you have accumulated, so our customer would have had six years’ NCB at renewal, while Swiftcover has a sliding scale which means your NCB will be cut back to four years if you’ve accumulated six or more years’ NCB.

            LV also puts customers with nine years’ NCB back to four should they make a claim.

            Admiral also included an interesting caveat in its terms and conditions, where it stated: “This is a No Claims Bonus and not a no blame bonus. If a claim occurs which is not your fault and we have to make a payment, your No Claims Bonus will be reduced unless we can get back all that we paid from those responsible.”

            So even if you make a claim for an accident that wasn’t your fault you’ll get your NCB cut unless a settlement can be reached with the guilty party’s insurers.

            All of which throws the importance of NCB protection into sharper focus.

            Is it worth protecting your NCB?

            The common consensus is that protecting your NCB is only worthwhile up to a certain point and that, the longer you go with NCB protection but without making a claim, the less cost-effective it becomes. This is something I cover in more detail in my article Should you protect your no claims discount?

            However, this works on the assumption that insurers will cut your NCB by just two years should you make a claim. But these latest findings show this is clearly not the case as, in most instances, you’ll be knocked back to just three years’ discount, regardless of the number of years of claim-free motoring you’ve accrued – and most insurers don’t apply the maximum discount until you have at least five years’ NCB.

            How long is proof of no claims valid for?

            Your proof of NCB is usually only valid for two years – so if you’re off the road for any reason or don’t have your own policy for more than two years, you’ll have to start from scratch the next time you take out cover.

            Kevin Pratt, insurance expert at MoneySuperMarket, said: “It’s often assumed insurers will deduct two years’ worth of NCB in the event of a claim, but it’s not that straightforward. The system operated by most insurers could have serious cost implications for motorists who have to make a claim.

            “This means paying for NCB protection is an option customers should consider when shopping around for cover.

            “It’s also important to remember that your NCB is portable, so you can still shop around to find the best insurance deal without having to worry that you might jeopardise your discount.”

            Did you enjoy that? Why not share this article



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


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            • FIRST POST

            No claims discount rules

            No claims discount rules

              Does anyone know which company will accept it ?

              Sorry!

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              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

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                  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

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                    • 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


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                      No claims discount rules

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                      No-brainer – definition of no-brainer by The Free Dictionary, no claims bonus.#No #claims #bonus


                      no-brainer

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


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                      • FIRST POST

                      No claims bonus

                      No claims bonus

                        Does anyone know which company will accept it ?

                        Sorry!

                        There are currently no thanks for this post.

                        No claims bonus

                        No claims bonus

                          • #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 bonus

                          No claims bonus

                            • #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 bonus

                            No claims bonus

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

                              Users saying Thanks (1)

                              No claims bonus

                              No claims bonus

                                • #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 5:55 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 bonus

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

                              • No claims bonus

                                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 bonus

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

                              • No claims bonus

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

                              • No claims bonus

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

                              • No claims bonus

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

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                              • The UK Road Accident Claims Expert, EasiGo, no claims bonus.#No #claims #bonus


                                Easi Go

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                                Call Us FREE : (0800) 044 3747 0330 022 6781

                                EasiGo Accident Management Offers

                                • UK wide assistance-whatever your insurance cover
                                • Quality courtesy car delivered to your home
                                • Courtesy car supplied even if your car is a write off
                                • Help with Parked car claims
                                • Full Vehicle Recovery and Repair
                                • Main Dealer Repairs
                                • Specialist Injury Claim Solictors
                                • NO insurance excess and NCB protected
                                • Help with uninsured driver claims

                                If you had a non fault accident, we can help you! Whether you drive a car, a taxi, a van or a motorbike, we will handle your claim; supplying you with a replacement vehicle, dealing with the other driver’s insurers, and getting you full compensation for your injuries and other losses. Even if you only have Third Party cover, we will still lend you a courtesy car, and deal with all aspects of your car accident claim.

                                We file your car accident claim directly with the other insurers, so we save you paying any Policy Excess! We recover all uninsured losses, including lost earnings. Even if you were uninsured, we will recover repair costs, if there is an injury claim involved.We file your car accident claim directly with the other party’s insurers, so we protect your No Claims Bonus and save you paying any insurance policy excess! We will recover all uninsured losses, including loss of earnings, and even if you are uninsured we will recover your repair costs, or car value, if there is an injury claim involved.

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                                Replacement

                                If your car is not roadworthy, we will deliver a quality replacement to your home. If your car is still roadworthy, we will arrange a replacement to use, when yours goes in for repairs. The courtesy car will be collected when yours is returned.

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                                Recovery

                                If your car is not safe to use, or not driveable, we will arrange to collect it from your home, or from a storage yard, if the police have moved it there. It will be taken to a secure compound, where it can be properly examined by a qualified accident engineer.

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                                Paper Work

                                We will track down the other driver’s insurers, using the registration number, and file your claim directly. If needed, we will contact witnesses. We make our own enquires, rather than requiring an admission of liability from the other insurers. We arrange vehicle inspections and valuations, as well as repairs.

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                                Injuries Claims

                                Our associated solicitors are specialists in road accident claims will file your claim against the other insurer. They will also organise any medical treatment (physiotherapy etc) that you may need to help your recovery.

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                                Accident Law

                                The solicitors don t just deal with your injury claim; they will also take legal action to recover any other losses, will also take the other insurers to court, if liability for the accident is in dispute. If they are handling your injury claim, the agreement is they handle all aspects of your claim.

                                Why use us Instead of your own insurer?

                                EasiGo offers:

                                • A similar, or better,replacement vechicle to your own-even if you are only Third Party Insured!
                                • Pay no policy excess- we claim directly off the other insurers, so you don’t pay your insurance excess.
                                • Main dealer, or your own repairer- safeguard the value of your car.
                                • We get forecourt values for your vehicle-even if you have Motor Trade cover
                                • We file your claim directly with the other insurers, we handle all the paper work & claim admin.
                                • Cash on lieu of repair option, if we handle your injury claim.
                                • Our associate solicitors will not only pursue your injury claim, but deal with all other aspects of your car claim.

                                Your insurer :

                                EasiGo Accident Management offers a total service!

                                We ONLY handle road accident claims from repairing your car and lending you a free one, to getting you compensation for your injuries. We will deliver a replacement vehicle to your home or place of work, and will also organize for your damaged car to be taken to an approved repairer. A damage report will be prepared, assessing whether it is repairable and also giving a replacement value if it is too badly damaged. Even if it is a write off, we will lend you a car until you have been paid out, plus a week to find a new car- most insurers will not supply you with a courtesy car, if yours is written off! Easigo will contact the other party’s insurers, collect police reports and witness statements. Because we deal directly with the other party’s insurers, there will be no effect on your no claims bonus, nor will you have to pay any insurance policy excess.



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


                                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

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                                • 11:04, 27 SEP 2016
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                                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 bonus

                                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 bonus

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                                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 bonus

                                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.



                                New No Deposit Casino Bonus Codes – New Free Spins 2017, no claim bonus.#No #claim #bonus


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                                There are plenty of top class online casinos in operation today, however not all of them offer 100% free no deposit casino bonuses. This is why our team of motivated online casino reviewers continually scour the internet high and low for the most generous and new no deposit casino offers. The results are listed on this page, which can be used by newly registered players from all over the world zero deposit required.

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                                Due to the fact that many of the world s premier online casinos are prone to changing their bonuses and promotions at a moment s notice, our casino online reviewers regularly check in with our featured online casinos to note any new no deposit bonuses. This means if a casino has increased, decreased or removed its no deposit bonus, or altered its accompanying terms and conditions in any way, we update this page.

                                Fresh No Deposit Bonus Codes

                                While some online casinos offer no deposit bonuses that don t require new players to activate them using specific bonus codes, many do require a unique code to unlock them, the most generous of which players will find highlighted on this page. Our reviewers are constantly on the look out for the most generous and attractive new no deposit bonus codes. It is also their responsibility to ensure that if any of our featured no deposit casino sites change their bonus codes for any reason, that those changes are reflected on this page as quickly as possible so that players always have the newest casino bonus information at their fingertips.

                                New Free Spins Deals

                                And of course we don’t forget those no deposit free spins that require no deposits to be made. These have become increasingly popular and casinos that would like to promote an exclusive free spins bonus often approach us.

                                As usual, we will tell you clearly what the terms and conditions and rules of each offer so you don’t get any surprises.



                                NO DEPOSIT CASINO REAL MONEY BONUS, NEW CASINO FREE SPINS, no claim bonus.#No #claim #bonus


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                                Casino operators like to give players incentives. As a result, they often invite players, like you, to sign up by offering additional bonus money or even Free Spins to use instantly – before making a first deposit.

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                                You get free money from the casino when you open a new account. You do not need a deposit to claim this bonus. This site lists the best No Deposit Casinos that you can find online.

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                                Many casinos change their no deposit casino bonus at short notice. Here at Newcasinofreespins, we work hard to make sure that you are kept up to date. We review featured online casinos regularly and note any new no deposit bonuses.

                                Sone casinos offer free bonus no deposit that need a bonus code to be activated. We look for the most generous and attractive free no deposit bonuses and provide the codes you will need to unlock your bonus.

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                                EVERYTHING YOU NEED TO KNOW ABOUT NO DEPOSIT BONUSES

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                                No deposit cash bonuses are few and far between. Most casinos only offer small bonuses. The most common is the £5 Free Bet. If you’re really lucky, you can get your hands on a £10 no deposit cash bonus. Try your luck and win real cash without risking anything!

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                                Many no deposit free spins offered by casinos are eligible to be played Starburst and Gonzo’s Quest – two popular slot games.

                                Examples of Free Spin Offers

                                • 50 No Deposit free spins – This means that you will have 50 attempts on a selected game(s), that means 50 chances to win. This is a great deal and is offered by some of the most generous casinos
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                                Will I be able to fulfil the wagering requirements? – Committing to wagering requirements can be a tough decision. Once you have done your calculations and know how much you need to wager, check your pocket and see if you can foot the bill. There is no point opting in for a cashback promotion that you won’t be able to follow through.

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                                Casino operators are different. They all have their own approach to bonuses. Some casinos will offer a new no deposit bonus without conditions attached. Other casinos require that you use a no deposit bonus code. Select operators will allow you to enter your bonus code in the cashier section. Unfortunately, claiming your bonus codes isn’t always this straightforward. For example, you may have to talk to a member of the casino’s support department in order to redeem your free bonus no deposit.

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                                Withdrawal requirements and conditions of no deposit casino codes

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                                Saudi Insurance companies ready to offer no-claim bonus for motor policyholders, Arab News, no claim bonus.#No #claim #bonus


                                Saudi Insurance companies ready to offer no-claim bonus for motor policyholders

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                                Saudi insurance premiums hit SR112bn in 5 years

                                RIYADH: Saudi insurance companies have announced plans to start new pricing procedures that provide a discount to policyholders who have no prior claims.

                                In accordance with SAMA instructions, insurance companies were requested to provide a no-claim policyholder with a discount when pricing mandatory individual motor insurance policies, provided that such a discount is applied to the base rate.

                                The new pricing regulations became effective on Saturday.

                                Adel Al-Eisa, official spokesman for insurance companies, said these instructions are to protect the insured and provide advantages for policyholders whose insurance records are free of claims. The new policy also promotes fair competition between insurance companies; ensure better insurance services at competitive prices; and more importantly, encourage everyone to drive more safely, and comply with traffic rules and regulations so that traffic-related deaths, physical injuries, disabilities and loss of properly can be greatly reduced.

                                “According to a recent study conducted by King Abdul Aziz University, traffic accidents caused 7,500 deaths, 68,000 injuries, and left 2,000 people handicapped with permanent disabilities. Additionally, the annual loss caused by car accidents is estimated to be SR18 billion. Unfortunately, most traffic accident victims are youths, and a firm stance is therefore required from everyone in society, including insurance companies,” Al-Eisa added.

                                He said the non-claimer discount is calculated based on the number of years a policyholder has not made a claim. Further, the discount could go up to 15 percent to be applied to the rates in force for insurance policies extending to one year with no claim being made, and it increases according to the number of years without a claim, going up to 30 percent for three years where no claim has been made.

                                The Insurance Executive Committee (IEC) has launched an awareness campaign “Safe Driving— Safety and Discounts.” In addition, the IEC has opened an official account on Twitter as a new and direct channel to communicate with customers of the insurance sector in Saudi Arabia @saudinsurance.

                                Al-Eisa also stressed the importance of all retail clients being aware of their rights, especially under the new law. He also asked them to access and understand the information available on this matter. In cases where a company fails to address and solve a filed complaint, promptly and within a reasonable timeframe, it is the client’s right under law to file a complaint with the consumer protection department at SAMA.

                                In case they suffer any breach of their rights, any unfair practices or any fraud, clients may exercise their rights under the regulations of SAMA by filing complaints with SAMA through any of the channels stated on the SAMA website.

                                “This is to ensure fairness, efficiency and transparency in all transactions for sectors that falls under the supervision of SAMA, and to ensure that the related statutory provisions are applied, since it is SAMA’s statuary obligation to protect all clients and stakeholders,” he said.

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