No claims bonus. Are they worth it?

[DeborahC]

Is there any point in me paying a new insurance company to protect this?

After someone driving into me last year, everything settled through their insurance, and me having 7 years NCB protected, my current insurance company want to shaft me for another ?150 on my policy

[Jeremy]

Well, you still have your NCB, so presumably you can get a cheaper policy elsewhere.

Whether it's worth continuing with NCB protection depends on how much it'll cost you...

[DeborahC]

The new lot want another ?30 to guarantee it. Whatever that means.

And in the same vein, has anyone ever used 1st Central for car insurance? They're cheap, which isn't always a good thing...

[indiepanda]

With a full no-claim discount you get up to 60-70% off the rate that someone with no claims experience to draw on would have to pay. If you claom, you don't necessarily lose all of it but you might find yourself with say a 30% discount instead of the 60%.

To work out whether it's worth it, I would quiz the insurer about what impact it would have on your NCD if you claim and what you are getting now, and compare that potential cost, and how likely you think you are to claim against the extra premium to protect. ?30 sounds like a good deal to me, ?150, not so sure.