The missus had a accident in her car last year, nothing major but the other person had her go through her insurance.
At the time she had protected no claims. So as i read it she was allowed no more than 2 claims within 5 years.
Her insurance last year and this has gone up quite considerably could this have to do with her claim?
Also if she had protected no claims does she have to tell a new insurance company about the claim because as soon as you state a claim has been made her quotes go up? If the insurance goes up because of the claim then what is the point of protected no claims in the 1st place?

I'm not a driver so i haven't got a clue. Any chance of some help please.

Motor insurance policies on average have gone up by 30% this year.

They go up every year. When I questioned why mine had risen they put it down to the fact that I had been in an accident even though the other party was at fault and the claim went through them

Just tell them you've found a better quote with X insurers and they'll usually match it.

For cheapest use at least three comparison sites then try Aviva and Direct Line (as they are not on them) then go to a cashback referring website and go through them.

For quality my personal experience with Admiral was impressive.

Some idiot pulled out from a minor road in from of me and i hit him despite swerving into his wheel arch and avoiding hitting the passenger door (could have been nasty for the passenger on that side). At the time the guy accepted responsibility and gave me insurance details. These proved to be bogus and he then claimed whiplash for 5 people and that it was my fault.

Admiral sent round an inspector to my house, we went to the site, he did a computer simulation of the scene (i took some photos of the damage to both cars in the absence of witnesses) and they challenged to the guy all the way. Won the case and kept me fully informed. First class service.

Depends on your attitute to risk. I work for an insurance company. I have never had protected no claims. (I have also never had an accident that was my fault.) Make of that what you will. Remember even if you make a claim you only lose a couple of years no claims, it does not go straight to zero.



Yes. The no claims discount and loads for previous accidents are completely different. Also, as another poster commented, car insurance costs have going up massivly this year.



Not telling them would be insurance fraud. They will catch you because all insurance companies share information about claims these days, to prevent fraud.



To keep all the no claims bonus that has been built up in the event of an claim, irrespective of fault. Remember that it is a no claim discount not a no blame discount.

Listen to the insurance broker. He's never had one.
The Barclays headman never had a Barclaycard.
The Comet worker never buys the insurance cover for electrical equipment.
All these cons are introduced by desperate money makers who go laughing all the way to the bank. I just wonder if they insure themselves against unemployment. I doubt it.

Protected no claims stops you losing any no claims if you are at fault in an accident
It doesn't stop your premium going up.

Thanks for replies lads.
The missus will probably stay with same insurers as there wasn't much difference between them all, only about £25. That was using Confused, Compare, Aviva & Direct Line.

Me personally that Protected No Claims is a complete con and i have told her so, but she never listens to me anyway.