What is No Claim Bonus and is mine acceptable to you?
Every year you hold a policy in your own name, you build up a No Claim Bonus, providing you do not make a claim. The amount of No Claim Bonus available to you will be shown on your renewal notice from your current insurer. If you go on to accept a policy with us and you are claiming No Claim Bonus, you will be asked to enter details of your previous insurer and policy number and provide proof of your earned No Claim Bonus. Your No Claim Bonus is only acceptable to us if:
it has been earned in the UK on a Private Car policy in your own name, within the last 2 years, and
it is not being used on another policy.
Please note that if a claim is made or arises under your policy, when you renew your policy, the No Claim Bonus may be reduced or lost.
Why should I protect my No Claim Bonus?
If you do not protect your No Claim Bonus and a claim is made or arises under your policy, your No Claim Bonus may be reduced or lost when your policy is renewed. Protected No Claim Bonus allows you to maintain your No Claim Bonus even if a claim is made under your policy.
Please note that Protected No Claim Bonus can only be included when you first take out a policy or renew it, and you are usually limited to the amount of claims you can make - please see the endorsements section of the quotation and the policy booklet for further details.
What claims must I disclose?
Please note that it is important to disclose any incidents or claims within the last 3 years, as we check all policies against the Claims and Underwriting Exchange Register. This is a database that holds details of claims made against previous motor insurance policies. Failure to disclose previous claims could invalidate your policy cover or claim.
Even if the loss was not covered under your policy (i.e. your vehicle was damaged and you only had TPFT cover), the total cost did not exceed your excess or you decided not to claim, these are still incidents and should be entered as a claim.
If any driver has had more than 3 accidents, claims or losses in the last 3 years, we are unable to provide you with a quotation on-line. Hastings Direct may still be able to offer you car insurance - please call us on 0800 99 1066.
What is an at fault claim?
An “at fault” claim is one where you were not able to recover a policy excess and/or some or all of your no claims bonus has been disallowed.
All Theft and Fire claims are considered “at fault” claims.
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