Help with a protected no claims bonus

[Bubbaloo]

Dh has a protected NCB on his car insurance and last month someone knocked his wing mirror off during the night and we claimed on the insurance to get it fixed.The insurance company told me his NCB wouldn't be affected.
Tonight,he has had an accident on his way home from work and written 2 cars off(we think).Purely his fault this time-he had a coughing fit and accerated into a parked car.
Anyway,I'm just wondering whether when his insurance is up for renewal will it affect his premiums,even though he has a protected no claims bonus and will he have to stay with the same insurer to stop the premiums increasing?
I know you have to disclose any claims at renewal,so obviously we'll have to do so,but I'm wondering if the 'protected' part will make any difference.
Thanks.

His premiums will still increase - but he will retain the same percentage discount. So for example say his annual premium is currently 200 - no accidents etc. and he gets 50% discount then he would pay 100. New premium is 300 to reflect accident(s) he will still get 50% discount so would pay 150.

HTH

Thanks-that doesn't sound too bad then.We were obviously just worried they would increase by a huge amount.

Would that still be the same if we switched insurers?

You do need to check the policy wording though as some have an exclusion for two claims in a period of time that removes the NCB protection.

Oh they might increase by a huge amount TBH it depends on the value of the claim and if it involves 2 cars then the increase in premiums will be substantial I would imagine. The £200, £300 figures were just examples for easy sums!

Your DH needs to check how many claims he is permitted to retain his NCB or if there is a limit on the value of such claims.

He can of course take his NCB to any company who will discount by the NCB percentage from whatever they quote too.

That was I was thinking.I'm sure last time they said he could make one more claim,before it affecting the NCB,but out of all the cars he could've hit it had to be a Jag and the worst thing was he was driving for about an hour(on his way home),pulled into our turning,had a coughing fit and it was our neighbours car.The accident happened 4 doors away from our house-5 seconds more and he'd have been home.