No Claim's Bonus

[albalass]

My car insurance is with Direct Line, if I make a claim my no claim's will go from 5 years to 3. Roughly what percentage will I loose? DL won't tell me in case in changes and they get complaints. I'm trying to decide if it's cheaper to just pay the woman I bumped. Thanks

[woozer]

Generally speaking NCD is roughly allocated as follows
1 year - 25%
2 years - 40%
3 years - 50%
4 years + - 60/65%

I dont know how DL operate but they probably are not too far from the above - hope it helps

[boxtops]

even if you settle direct with the other party, it's advisable to notify your insurance company but tell them that you are not going to make a claim. You will need to pay your own excess anyway.

[princess]

If you have full no claims then pay the extra to the insurance company to have them protected which does not cost alot and your no claims wont be affected i think you can have 3 claims in 5yrs b4 your no claims is affected so its worth it.

[wilkesneil]

what i'd do is do a new quote with 3 & 5 years ncb and see what the difference is. i'd do it with the company i'm with on their website, just as a rough idea.