Question: Can I Lie About My No Claims Bonus?

Is your no claims bonus currently protected?

By protecting your no claims discount, you’ll be locking in that discount.

You’ll continue to pay less on your premium even if you have an accident.

You might still lose your discount if you have a number of accidents in one year though.

The trade-off is that you’ll have to pay an additional fee for the protection..

Do I lose no claims bonus if I have a break?

The expiry period for an unused no claims bonus is two years after you’ve cancelled your last policy. So if you have taken a break from driving but you don’t want to lose your NCB, you’ll have to take out a new policy within two years to carry on where you left off.

Can I insure a car if the log book is not in my name?

You do not have to be the registered owner of a vehicle to insure it, but legally you’ll need cover for any car you want to drive.

Do insurance companies check no claims bonus?

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. There is usually a time limit on getting your proof of no claims discount to the new insurer. … Most insurers only recognise no claims discount up to a certain point.

Does 1 year no claims make a difference?

It does not mean your premium will not increase, as most insurers will factor in any claims when calculating your renewal quotes and apply the discount at the end. Most policies allow one claim per year without it affecting your bonus, but some may state that you cannot make more than two claims in three years.

Does windscreen replacement count as a claim?

On a comprehensive car insurance policy, at the very minimum your windscreen will be covered much like the way every other part of your car is covered. So if your windscreen is damaged and you want to get it repaired, you make a claim, pay the full excess and you will be able to get it fixed.

Is Van no claims different to car?

Can I use a car no-claim bonus on my van insurance? Yes. We accept NCD if you earned it on a van, car or motorcycle, but it can only be used on one vehicle at a time. Find out how our van insurance can help keep you on the road.

What is proof of no claims?

There are three main forms of proof: The renewal invite from your current or previous insurer will state the number of years you’ve enjoyed a no claims bonus. A cancellation letter from your previous insurer, as long as it states your no claim bonus. A letter from your previous insurer confirming your no claims bonus.

Can I use my no claims on a second car?

Unfortunately you cannot use your no claims discount twice. You can only use your no claims discount on one vehicle at any one time. However, you will be able to start earning another no claim discount if you take out a policy on a second car.

How can I find out my no claims bonus?

Insurers should provide proof of your bonus at the end of your policy term. You can pass this on to your next provider when you switch. Some insurers may provide your proof of no claims in the car insurance renewal letter they send you. If it’s not there, you can call your insurer and ask them to send it.

Can you mirror your no claims bonus?

If you’ve earned NCB on one vehicle you may be able to mirror it on a second vehicle. … 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, over 25-years-old and a new policy only.

Can 2 people insure the same car?

Don’t worry – you can legally have more than one car insurance policy for the same car – there’s nothing to stop you doing it. And if you take out a second car insurance policy when you already have one, it won’t mean the first policy is void.

It’s possible that you’ll never need to use your motor legal protection, so many might feel that the extra expense isn’t worth it. However, legal costs can be extremely high, and legal expenses cover can protect you against as much as £100,000 in costs.

Is it OK to have two life insurance policies?

Yes, you can have multiple policies from the same or different life insurance companies. … If you apply for more insurance coverage than your situation indicates you need, the insurance companies will likely ask why.

What is 1 year no claims discount?

All insurance companies have their own no claims discount scale, 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.

Do I get no claim bonus as a second driver?

Do I earn no-claims bonus as a named driver? Sorry, but no. Only the policyholder can earn a full no-claims bonus. … Some insurers offer introductory named driver bonuses for those previously insured with them.

Is it okay to let someone else drive your car?

Usually, yes — your car insurance coverage should extend to anyone else driving your car. … This means even if your friend, sister or cousin have the best coverage possible, it would usually be your auto insurance that’d be covering the damages if they were at-fault in an accident while driving your vehicle.

What is the maximum no claims discount?

After building up a no claims discount for a number of years, drivers can receive a maximum discount of around 70 or 75%.