Car insurance warning for drivers with 'nine years no claims' discount

Stock image of cars waiting in traffic
-Credit: (Image: Getty)

Motorists with a nine-year no claims record have been warned that they may not receive any additional discounts from their insurance providers. It has been highlighted that car insurance companies are unlikely to offer further reductions or savings once drivers hit the nine-year no claims mark.

Greg Wilson, CEO of and an expert in car insurance, said: "With the soaring cost of car insurance, it's no surprise drivers are keen to protect their no claims discount. However, many may be unaware of the simple things that can invalidate their protection.

Birmingham Live reports that certain changes to the policy, such as becoming a named driver instead of the main driver or having a gap of more than two years could wipe clean the no claims build-up and void the insurance policy.

CEO Greg added: "A no claims discount can be one of the biggest factors when it comes to the cost of a policy. Unfortunately, a lot of people perhaps don't know these big 'no no's' that can break their no claims and eradicate the discount they've built up.

"The difference between zero and five years no claims bonus can be significant too, estimating 30 per cent for one claim-free year and 60 per cent for five claim-free years although again, each insurance provider may be different so drivers need to compare.

"No claims discount protection is another hot topic for discussion this year, customers need to check the details through with their insurer, get a quote with and without the additional protection for comparison and make sure their bonus is protected continuously should they decide to switch providers.

"Normally protected discounts allow drivers to makeup to two claims within a three to five year period without losing their no claims discount, but this can vary between insurers so be careful. A recent Quotezone survey found 39% don't read their insurance terms and conditions in full, this has never been more important, with a surge in new products flooding the market to help make insurance more affordable, it's essential drivers check the details thoroughly and make sure they have adequate protection.".

"It will not only help them stay on the right side of the law but also help them find real savings by shedding any extras they don't need."

Want the latest Bristol breaking news and top stories first? Click here to join our WhatsApp group . We also treat our community members to special offers, promotions, and adverts from us and our partners. If you don’t like our community, you can check out any time you like. If you’re curious, you can read our Privacy Notice .