Quote Originally Posted by Cuppa View Post
Hi Kallen, a couple of questions about no claims bonuses.

With Club 4x4 providing competitive premiums without incorporating no claims bonuses .... in the event of a claim would the premium increase & if so how & when would the premium increase be calculated?

Also if choosing to insure with Club 4x4 & leaving a previous insurer where a rating one no claims bonus was held .... if the policy holder chose not to renew after having had a claim free term with Club 4x4 - would Club 4x4 be able/willing to provide the necessary info to a person’s new insurer in order that that person could return to a rating one no claims bonus?

Thanks.
G'day Cuppa,

Valid question and i get it a fair bit. The reason why we didn't decide to implement the "No Claim Bonus" concept was because it really had become a bit of a farce. It's incredibly easy to get approved for a maximum and to be honest it's hardly believable that an insurer give you a 6/70% discount on the base rate anymore.

The questions we ask about claims history are what help us determine the risk posed by each driver, and consequently, the price we will charge. This is why its vital that all information provided is 100% accurate.

Now, if you were to want to go back to a vanilla insurer and they require a letter stating your claims history while with us, we'd be more than happy to provide that for you.

Hope that helps

Kal