I received my car insurance renewal letter from my broker on Friday. I have a couple of questions that somebody might be able to answer:
My current insurer is Hibernian and the broker has quoted me for Hibernian for the next year too.
The letter listed my premium and in brackets beside it it said "Incl. 10% discount - 2 penalty points". I did have 2 points for speeding but these were removed in March of this year. I called the broker and told them about this, but they said that this wouldn't make any difference to my premium. I looked at the Hibernian web site and this is what it says about penalty points "Penalty Points: If you and all drivers covered under your policy are free of penalty points and holders of Irish Driver's licences, then you are eligible for a 17.5% discount on your premium." My wife is a named driver on the policy and she has no penalty points. Based on this, shouldn't I be entitled to a 17.5% discount instead of 10%??
On the letter it also said "A statement of No Claim Bonus is attached as required under current legislation." However, there was nothing attached to the quote
. There was a staple on the top left hand side of the letter, but there wasn't another piece of paper though. I did have a crash over 2 years ago where I was at fault and a claim was made against my policy. Due to this crash I'm sure it'd be difficult for another company to take me on, but should I still not have got the no claims bonus statement??
Thanks in advance!
My current insurer is Hibernian and the broker has quoted me for Hibernian for the next year too.
The letter listed my premium and in brackets beside it it said "Incl. 10% discount - 2 penalty points". I did have 2 points for speeding but these were removed in March of this year. I called the broker and told them about this, but they said that this wouldn't make any difference to my premium. I looked at the Hibernian web site and this is what it says about penalty points "Penalty Points: If you and all drivers covered under your policy are free of penalty points and holders of Irish Driver's licences, then you are eligible for a 17.5% discount on your premium." My wife is a named driver on the policy and she has no penalty points. Based on this, shouldn't I be entitled to a 17.5% discount instead of 10%??
On the letter it also said "A statement of No Claim Bonus is attached as required under current legislation." However, there was nothing attached to the quote
. There was a staple on the top left hand side of the letter, but there wasn't another piece of paper though. I did have a crash over 2 years ago where I was at fault and a claim was made against my policy. Due to this crash I'm sure it'd be difficult for another company to take me on, but should I still not have got the no claims bonus statement??Thanks in advance!