Re: Looks like my car could be a write-off
Quote:
Originally Posted by
Stephen Coates
There's nothing wrong with getting discounts for no claims, but does having protection against it not kind of defeat the point of a no claims bonus?
Does the protection cost extra?:eyebrow:
Yes, of course.
My insurance run a strike system, so even if it's protected, if you keep having accidents then you will get strikes against you and eventually lose your protection and bonus.
However, if the claim resolves in your favour and the third party is found to be of blame, then the bonus would be reinstated as it was a non fault loss.
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Re: Looks like my car could be a write-off
@Tiago
Not sure if is the same, but I found that after I had been driving for a few years and built up some no claims bonus the difference in price between third party and fully comprehensive wasn't that much.
It also depends on the age of the car. My last car was a 1998 Peugeot 406 2.0 Turbo that was quite fast but due to the age of the car I was paying under £200 a year for insurance. When I changed it for my current car, which is a 407 2.0 HDi the insurance doubled.
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