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Discussion Starter #1
I had to make a claim just over a year ago, but luckily I had Protected No-Claims of 5 years so when I renewed last November (with the same company) my premium hadn't gone up.

My question is this - can I use that 5 years NCD with a different company if I get a decent quote or does it only apply to the company that I had it protected with?
 

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Hi Acapulco, I'm actually an insurance broker, before i start!

You can indeed take your 5yrs NCB ANYWHERE!! you may find that your exsiting insurer will give you a good rate, to try and claw some money back. But yes you go elswhere, you may have issues getting other insurers to honour the protection. Also be carefull as protected bonus normally allows for 2 claims in 5 years, and a new insurer may count your last accident as one of your 2 allowed!

The only thing i would say is make sure any new insurer is fully aware of the claim you had to make, even tho it'd diddent affect your policy.

Any further problems or question let me know
 
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