The car insurance information contained within these pages is based on information supplied by The Claims Guru, a site packed with useful information about the inner workings of insurance companies and their products.
Car Insurance Add-Ons - Protected NCD
We consider this to be an essential. No matter how careful you are, no matter how good a driver you think you are, the chances are that one day you will have to make a claim that will affect your entitlement to a no claims bonus.
"The accident happened when the right front door of a car came round the corner without giving a signal."
Extracts taken from actual claim forms submitted to
a number of UK car insurance companies
Here's just a few examples :
your car could be stolen or broken into
your car is hit whilst parked, by a 'hit and run' driver
you have an accident that was not your fault but your insurer fails to recover, for any number of reasons. For example, the other driver gives you false information and all attempts to trace him fail
you have a momentary lapse in concentration and have an accident. Yes it happens to the best of us, even those who have passed the advanced driving tests - indeed they can be the most difficult sometimes as they can't accept they did something wrong!. In fact we've seen a claim form where the driver has said '..I hit the car in front but it was not my fault because I am an advanced driver with the Institute of Advanced Motorists'
NCD protection lets you get away with one of these claims. Without it a serious financial penalty will be encountered at the time of your next renewal. And the renewal after that.
