Hit a small deer type animal

[rayaans]

1 hour ago, paulrnx said:

NCD protection insulates a person from losing NCD as a result of a claim or a number of claims, it doesn't insulate a person from incurring a higher insurance premium, before the NCD is applied. Even with protected NCD a renewal premium would be higher after a recent at fault claim than if no claim had been made. Same level of NCD but a higher premium before the NCD is applied because, having made an at fault claim, the systems used to generate the premium will assign a higher risk category because of the claim and the premium will be higher as a result of this. Because we can't do a comparative quote with the same company with no claim we have no way of knowing exactly what this difference is. If I was being really cynical I might argue that the increased premium would outweigh the amount I'd lose as a result of a loss of NCD. I've also paid extra to protect my NCD. Insurance companies also routinely increase premiums if renewing for a 2nd year because research shows them that there are still many many people out there who stay with the same company because it is less hassle and/or effort to change or they forget and cover renews automatically. Most insurance companies also offer cheaper insurance to new business because this is the way they grow their business and they hope that we will stay with them for years to come. It is always better to shop around every single year as you do Rayaans and in my opinion NCD protection isn't worth it either.

Ah yes Paul, I think I misunderstood what you were saying.

I agree that it doesn't stop premium going up but it does stop the NCD being reduced.

I do find more NCD (up to a point) definitely helps with quotes though