protected no claim discount

15:37 Sep 22, 2017
This question was closed without grading. Reason: Other

English to French translations [PRO]
Bus/Financial - Insurance / Motor insurance - No claim discount
English term or phrase: protected no claim discount
Hi everybody,

So, in a British no claim discount proof report appears "Protected NCD: Yes" (along with the name of the insurance holder, the start and expiry date, etc.).

The concept of "no claim bonus protection" does not seem to exist in French.
Would anyone know an equivalent or how to translate it? Maybe "Coefficient de réduction-majoration sécurisé" with an explanation?

Thank you in advance!
Laurence Rapaille
Spain
Local time: 03:01


Summary of answers provided
4 -1bonus (protégé) pour/en l' absence de sinistre
AllegroTrans
4 -1bonus protégé (par un supplément sur la prime)
Patrick Lemaire
3 -1bonus à vie
Tony M


  

Answers


1 hr   confidence: Answerer confidence 4/5Answerer confidence 4/5 peer agreement (net): -1
bonus (protégé) pour/en l' absence de sinistre


Explanation:
Assurance de véhicules à moteur
https://www.zurich.ch/-/.../cga-assurance-vehicule-automobil...
Translate this page
5 Bonus pour absence de sinistre. 6. 6 Franchise. 6. 7 Plaques interchangeables. 7. 8 Véhicules de remplacement. 7. 9 Dépôt des plaques de contrôle. 7.

Take advantage of your no claims bonus with a discount of up to 15% on your annual premium
assurancesfoyer.lu

Profitez d'un bonus pour absence de sinistre allant jusqu'à 15% de la prime annuelle
assurancesfoyer.lu



AllegroTrans
United Kingdom
Local time: 02:01
Specializes in field
Native speaker of: Native in EnglishEnglish
PRO pts in category: 22
Notes to answerer
Asker: I think that the only option, whatever option is chosen, will be to add a footnote explaining what the concept involves in GB. :$


Peer comments on this answer (and responses from the answerer)
agree  Daryo
1 hr
  -> Thanks

disagree  Tony M: Be careful of Lux-only usage here! And that's the whole point: it is NOT 'protected in the event of no claims' (that's what NCD means!) — this means protected EVEN IF there is a claim. I think this is confusingly inaccurate.
1 hr
  -> hard to cover all eventualities, just trying to convey the GB "reality" as best as poss; it would be up to the reader to read this in the light of GB insurance practice in the end, short of a lengthy translator's note

disagree  Patrick Lemaire: Non, Tony M. a raison, ici le bonus est protégé en cas de sinistre (dans certaines limites). C'est ainsi que l'entendent les assureurs voiture britanniques.
7 hrs
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8 hrs   confidence: Answerer confidence 4/5Answerer confidence 4/5 peer agreement (net): -1
bonus protégé (par un supplément sur la prime)


Explanation:
J'habite au Royaume-Uni et je viens juste de renouveler mon assurance voiture. Voici comment mon assureur définit la chose dans sa lettre: "Protected No-Claim Bonus - the number of claims you are allowed within a period before you would lose your no claim bonus. Only applicable where you have selected to Protect your No Claim Bonus." On me propose "2 claims in 5 years", ce qui signifie que si j'opte pour payer le supplément, mon bonus (appelé "bonus" ou "discount", ces deux termes étant interchangeables) est protégé pour autant que je ne déclare pas plus de deux sinistres en 5 ans. Il s'agit donc bien de protéger le bonus en payant un supplément.


    https://www.theguardian.com/money/2016/mar/22/no-claims-bonus-protection-insurance-premium-gone-up
    Reference: http://www.telegraph.co.uk/motoring/news/10096779/Is-it-wort...
Patrick Lemaire
Local time: 02:01
Native speaker of: Native in FrenchFrench

Peer comments on this answer (and responses from the answerer)
disagree  Tony M: That amounts to over-interpretation, since we do not know for sure this is insurance to protect your NCD.
8 hrs

disagree  AllegroTrans: You have used my own wording and then made an assumption about an additional premium of which there is no mention in the source text
23 hrs

agree  writeaway: just to even up the score
1 day 10 hrs
  -> Thanks!
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10 mins   confidence: Answerer confidence 3/5Answerer confidence 3/5 peer agreement (net): -1
bonus à vie


Explanation:
No, the concept does not exist, and there is no legal basis for it; but quite a number of companies operate a system of their own, sometimes also called "bonus 50 toujours".

There are a very few instances of 'bonus protégé', but they all seem to come from Luxembourg.

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Note added at 2 heures (2017-09-22 18:33:07 GMT)
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A No Claims Bonus or Discount (NCD) exists to reward careful drivers who don't have any claims.
The protected NCD means that you retain your NCD EVEN IF you do have a (usually fairly small number) of claims within a certain period.


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Note added at 1 jour15 heures (2017-09-24 07:10:07 GMT)
--------------------------------------------------

@ Asker

The same concept does also exist in FR insurance, albeit not enshrined in actual law, and so operated by the individual companies as they see fit. In essence, once you have earned max. bonus and had a clean recorde for several years, many companies preserve this bonus for the foreseeabla future, provided you don't make TOO many claims over a certain period of time. So it is "for life" to a certain extent, and with certain provisos.
This is after all a typical FR marketing term, where things like brake pads may be guaranteed 'à vie' — of course they aren't actually going to 'last forever'! But they will be replaced under guarantee as often as they wear out...

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Note added at 1 jour15 heures (2017-09-24 07:11:58 GMT)
--------------------------------------------------

Do note also that there is a significant difference between NCD that is protected because you have had a clean driving record fof so long, and the kind of NCD protection you can get by paying an extra insurance premium in order to 'protect' it. It is not entirely clear from your context which might apply, but as far as I know, the latter system does NOT exist at all in France.

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Note added at 1 jour15 heures (2017-09-24 07:15:19 GMT)
--------------------------------------------------

I think my suggested term, which is a real part of current FR usage over here, will be understandable to the FR reader and will convey broadly the same notion, insofar as an approximately equivalent system exists in France.

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Note added at 6 jours (2017-09-29 10:42:53 GMT)
--------------------------------------------------

Well, we all I think know exactly what it means in GB! Sadly, though, the poor French reader doesn't.
However, had you said from the outset this was for a "relevé d'information", that's actually pretty important extra context, and clearly a marketing term is not what is required; as long as you explained with some kind of translator's note, your chosen solution ought to suffice. At least 10 people in Luxembourg will know what it means...


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Note added at 6 jours (2017-09-29 10:44:41 GMT)
--------------------------------------------------

As you will see, I did also mention 'bonus protégé', even though I suggested it might be indavisable to use it, given the regional nature of its apparent usage.

Tony M
France
Local time: 03:01
Native speaker of: Native in EnglishEnglish
PRO pts in category: 51
Notes to answerer
Asker: Hi Tony, Thank you for all the information and your comments. Much appreciated. So, I sent the translation to the client with a note for them to choose the most appropriate term, as they actually are an insurance company. They came back to me choosing "bonus protégé" adding a footnote explaining what it implies in GB. "Bonus à vie", in their opinion, is indeed a marketing term that could fit on a more general basis, but not in this case, as the text was a "relevé d'information", and could be mixed up with some other insurance-related concepts. Have a great Friday and good weekend!

Asker: Yes, indeed, I did forget to add that it was for a "relevé d'information", my bad! The clients being French working in France, I assume they know what they are doing. I did mention to them that your proposition was probably the more accurate. But at the end, they will be the ones using the document. At least a footnote has been added to make sure there is no confusion with any other terms.


Peer comments on this answer (and responses from the answerer)
neutral  Daryo: 'bonus protégé' sounds more logical to me / self-explanatory
2 hrs
  -> Me too, that's why I googled it; but only 10 hits, all from Lux. :-( // Now we have more context, I think it WOULD have been OK to use after all.

disagree  Patrick Lemaire: No, the bonus is not granted for life. It is only protected on the condition that there are not too many claims over a period of time (usually no more than 2 claims over a period of 3 to 5 years).
8 hrs
  -> As UK driver, I'm well aware of this; however, this IS the term used in FR marketing hype.

neutral  AllegroTrans: French hype or no, I don't think it translates the GB reality properly
1 day 6 hrs
  -> Well, it IS the accepted FR term for the nearest equivalent system in FR; and "à vie" is a relative term, but in essence, it DOES mean 'for ever more' (provided you don't have TOO many accidents)
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