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valid?

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Discussion Starter · #1 ·
Hypothetically speaking :) if a car was written off and a payout received from the insurance company...then three months later they send you a no claims bonus certificate one year extra than you started with is that certificate valid?
 

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Not sure about that but anyway you still need to tick the 'Have you claimed in the last 3 years' that negates practically (if not) all of any accrued No Claims Bonus.

You are even more stuffed though if you also lost your NCB (ie didnt have protected NCB) and you have to tick the box.
 

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If it was Protected NCB they normally freeze any further years accrued for at least 2 years. But you will find some Insurers will wave this just to keep you on-board when it's time to renew.

As long as you are honest about the claim, I cannot see an issue.
 

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If you think you have gotten 'something for nothing' and are hoping to benefit by keeping quiet then I would urge you to reconsider.

People buy insurance for 2 reasons:
1. Some people buy it as a legal requirement only.
2. Some people buy it becasue they would like to be paid out in an accident.

If you are a 'type 2' person then you're better off calling them up and finding out the score for sure - you don't want it to bite you on the arse later.

HTH.
 
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