At OUTsurance, we aim to simplify insurance. We understand that the topics of a ‘No Claims Bonus Certificate’ and a ‘No Claims Discount’ (NCD) can be confusing at times so below are a few Q&As to let you know where OUTsurance stands in relation to this.
“OUTsurance don't provide a No Claims Bonus Certificate at the end of your policy.”
We will provide you with a full No Claims Bonus Certificate if you decide to leave us. This will include details of claims-free years with OUTsurance (or claim details if you have had a claim) as well as claims-free years with previous insurers. You will also continue to get credit and build up your number of Claims Free Years while you are insured with OUTsurance. This letter allows you to maintain your claims free record and avail of a NCD with future insurers.
“If you switch to OUTsurance, you won't get credit for your No-Claims Bonus.”
You absolutely will get credit for your previous claims' free years. We accurately price our insurance premiums from the start of our relationship with you, ensuring you get full credit and the lowest premium possible. At OUTsurance, we don't believe a No Claims Discount scale is necessary to give a competitively priced insurance premium. Our advice is to get a quote with us and compare that cost against your previous premium. We believe you will be pleasantly surprised. Furthermore, you will also continue to build up your claims free record with us. We will provide you with a No Claims Certificate if you decide to leave us, allowing you to maintain your claims free record and avail of a NCD with future insurers.
“OUTsurance don't offer the ability to protect your no claims discount.”
Shopping around is usually the smartest way to get a great deal on insurance. A protected no-claims discount can make that harder, because it typically only stays intact if you stick with the same insurer. At OUTsurance, every part of your cover is designed to give you real value – no costly add-ons and we don’t build in features that may discourage you from switching. Instead, we price your policy fairly from the start, based on your actual driving history. That way, your good record speaks for itself - no strings attached.
“OUTsurance might be good for first time drivers, but anyone that has any kind of no claims history won’t see the benefit of this by switching to OUTsurance.”
At OUTsurance, we love good drivers. We accurately price our insurance premiums from the start of our relationship with you, ensuring you get full credit for your no claims history and the lowest premium possible . Our advice is to get a quote with us and compare that cost against your previous premium. We believe you will be pleasantly surprised. Furthermore, we will provide you with a No Claims Certificate if you decide to leave us, allowing you to maintain your claims free record and avail of a NCD with future insurers.
“If you don’t use the NCB system, your insurance premium must go up every year.”
Offering our customers awesome service and great prices is what matters most to us. With OUTsurance, the length of time you’ve been with us is considered as a positive factor in your renewal premium, especially if you’ve been claims-free. However, other factors such as claims inflation or changes in risk also impact your renewal premium. At OUTsurance, we don't believe a No Claims Discount scale is required to give you a competitively priced insurance premium each year. We accurately price our insurance premiums from the start of our relationship with you, ensuring you get full credit for your no claims history and the lowest premium possible. Our advice is to get a quote with us and compare that cost against your previous premium. We believe you will be pleasantly surprised.
At OUTsurance, we believe you should always get something OUT of your car and home insurance, so we’ve chosen to do things differently. We focus on what matters most, fair pricing, great service, and rewarding customers for their loyalty with 10% cashback straight into their bank account after 3 years claim free, it's called the OUTbonus.
If you think you might be paying too much for your insurance visit OUTsurance.ie.