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Raiser sharp
Re OG's letter in this week's motoring I think you express the same misunderstanding many people do. OG still receives the protected no claims discount he pays for, but the premium to which the discount is applied has increased. The increase is due to his "unresolved blame" accidents. The real injustice is that these are deemed "fault" by the insurance company who are unable or unwilling to resolve claims against the third party. The discount is protected, but the premium is not.
Asked on 7 November 2009 by
Answered by
Honest John
Received and understood. Many thanks. And obviously so outrageous it amounts to fraud. A policyholder pays for a protected no claim discount. But his basic premium is nevertheless raised because of a claim whether his fault or not. What one hand sells, the other hand snatches away. How would you feel if you bought a sandwich, then the sandwich vendor took it back? Or you bought a pint in the pub and the landlord drank it himself?
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