question for somebody in the know. my car was wrote-off after 10 months into a comp motor policy paid in full. Insurer has settled with me and has posted cheque. I have bought another car but insurer refuses to add to existing policy because value of new car exceeds value allowed in current policy, and they tell me I would need to take out a new 12 month policy. My question is can I go on one of the price comparison websites and take out a policy with another company, adding the details of the recent claim I made, and include the protected NCD bonus which I built up on my old policy?