Has anyone on here ever tested this? Knowing insurance companies, it may not affect your NCD, but it will affect your premium loading and insurance companies are out to make a profit!

Chris (cynical hat on today)

I don't know if its ever been tested, but I'd say chances are that your premium would go up, but just due to the claim. Better than the double whammy of increase in prem because of the claim AND increase in prem because of loss of NCD.

Now about this for a test - have protected NCD. Write off car (totally own fault)and claim. Buy new(er), bigger, faster, and more expensive car in higher IG. Transfer insurance policy, and get money back from insurer (premium refund, not just claim payout)!

I don't know if its ever been tested, but I'd say chances are that your premium would go up, but just due to the claim. Better than the double whammy of increase in prem because of the claim AND increase in prem because of loss of NCD.

Did you see my reply to this further up?

I had it tested and you get the double bending over :(

Did you see my reply to this further up?

I had it tested and you get the double bending over :(

Were you insured with Direct Line? And when was your claim? I don't know how long ago they introduced this, but they're the only insurer I know of that does it. How easy it is to convince them that you were completely in the clear I guess is another matter I guess.

No I wasn't with DL, but when i phoned to ask what would happen in the situation the sales person went off, checked and said not covered you need a reg plate, them to stop and the driver so they can pursue the driver themselves.

Strangely enough I got my renewal quote through from Direct Line recently and it was

And mine's always been the same as online give or take the odd pound

And mine's always been the same as online give or take the odd pound

Mine has always been more but this

Mine has always been more but this