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Why did my husband's insurance premium increase after a claim, despite having a protected no claims discount?
My husband has a Mercedes-Benz ML270, six years old. Last April he made an insurance claim, having damaged the front bumper and wing by driving into the gate across our entrance. The estimate we had was approximately £1,000 so he decided to claim on his Saga insurance, which is "no claim discount protected." The insurance was recently due for renewal. He received the new schedule and was surprised to find that the cost had increased from £508 to £723.97. Enquiring into this he found that the increase is "to pay off the cost of the claim over the next few years." This seems iniquitous. Insurance is to cover costs and the no claims protection fee to maintain the "No Claims" level. He has been insured with Saga for some years and this is the first time he has claimed. Is this usual practice and do you know of other firms where he might get a better deal?
Asked on 2 October 2010 by KC, Marcham
Answered by
Honest John
That's how it now is. He still gets his protected no claims discount, but his insurance goes up because he is an increased risk because he had a claim. The insurer will say his premium would have gone up even more had he not had NCD protection. A ridiculous obfuscation that needs to be tested in the county court then taken to appeal
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