How does my protected no claims work?

I recently was involved in an accident (at fault but no other parties involved). I've tried to understand how the NCD works but is confusing from the same insurer. So, my policy documents state: Protected...

Going from two cars to one, can my wife keep her no claims bonus?

My wife and I have our own cars, but now we are retired we are thinking of gong down to just one car. If we use my car my wife is on my insurance so how can she retain her no claims bonus?

My car insurance company is asking if I drive at peak times, will the pay out if I say no?

Another crafty move by car insurance companies. Asking the question 'do you drive at peak times?' When you are retired you try and avoid peak times so you put 'no', but what happens if you are driving...

Is my car likely to be a write off?

My 6 year old 1.4 TSI Golf Estate was damaged by a coach while parked. It has just gone away to be assessed. The damage seems superficial, but it involves multiple panels starting at the bumper and rear...

Do we need to tell our insurer about my wife's hip replacement?

My wife recently had a hip replacement and is now well on the road to recovery (8 weeks). Firstly, is she now allowed to drive? And secondly, does she need to inform her insurer of this procedure?

Do I need to keep my run flat tyres for insurance purposes?

I have Mercedes E350 with run flat tyres, if I replace these with ordinary tyres would this affect the insurance or my Mercedes service and breakdown cover?

My car has been given a Cat S write-off status - can I contest this?

My car was given a Cat S write-off without any Inspection. Can I request an inspection? Could the Cat S status be cancelled if the inspection results were favourable?

Is the Audi A1 expensive to insure for a young driver?

Is an Audi A1 one expensive to insure for a young driver?

I can't find an all-season tyre with a high enough load rating, would this affect my insurance?

My handbook says my tyre's load rating should be 96 but I want to fit 4 season tyres and I cannot find a supplier who has anything above 94. Would it affect my insurance if I fitted 94?

We hit a deer but there was minimal damage to our car - should we have told our insurer?

My partner hit a deer at one time, but there was minimal damage (a cracked bumper) and so didn't claim any costs on her insurance. She did however inform her insurance company and they have logged the...