Insurance

[Jrod]

Right if you have a claim made aggaint you will it pu your insurance up? Or will it be like having 0 NCB again?

[NickD]

If you are found to be liable you will lose NCB, but how much depends on your insurance company. I lose 1 year per claim with Carole Nash, whereas Bennets have a scale of more than 4 years to 3 years, 4 years to 2 years, 3 years to 1 year and 2 years to 0. Best to clarify with your insurer. And you can expect this loss to be reflected in your premium.
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I was only doing what it said on my licence officer....
Tear along the dotted line!

[Ste]

You will no longer have any NCB and you will have to declare that you've had a claim, "Have you had any claims or convictions?" and then you have to give them the details.

[Mal]

Standard loss of NCB is 2 years ncb (from your total at the time of the claim) per claim, unless you have either protected or guaranteed NCB, or your insurance company can make a full recovery from another party's insurer. For example if you had 3 years at the time of a claim and they paid out, your renewal would be based on 1 years NCB. If you claimed and your insurance co recovered all their costs from another company, then your insurance would renew with no loss of NCB. Whether you would actually get an extra years ncb as you had claimed may depend on the company.

As for Jammy's thread, if no insurance company has been involved I wouldn't tell them about it.

Mal

[Jammy-G]

[Jrod]

At the moment i have 0 NCB, I've only been on the road 3 months. If i claim is my insurance going to go up next year?

[Ste]

If you personally make a claim against someone else than that does not affect your insurance. If someone else makes a claim against you, so that you cost the insurance company money, your insurance will go up. Basically they don't like people who cost them money.

[Mal]

[instigator]

How does this NCB business work anyway?

Once you renew your insurance, does your company send you out a sheet saying so? How do you prove to other insurance companies that you've got an NCB?

[Sparks!]

Didn't the woman pull out on you though? Any witnesses?

What's she claiming against you for?

"He scratched my car when I pulled out in front of him, I want some compensation"


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Current Toys: 06 Yamaha WR250F | Nissan 350Z GT | Tech 4 Homes

[Mal]

[Jrod]

[Jammy-G]

[Ste]

[Jrod]

The letter they sent me says along the lines of "We will pay her in 14 days if you don't contact us and say you don't agree."
I might leave it What would you do, I don't want the hassle of a fight for it but then i'm gonna pay my excess ? I hate not knowing what im doing.

[mchaggis]

[Ste]

Where does your excess come into it?

Might as well send them your account of what happened along with the details of your witness and let the insurance companies argue and decide who is at fault, the worst that will happen is they decide you're at fault and give her the cheque, but they might decide she was at fault or split the blame 50:50 (could be split anything, jus tan example) and you then get given a cheque.

[Jrod]

[EuropeanNC30R...]

If you don't claim you're leaving yourself open to get screwed for now and for insurance for future years to come. If you do claim, you have nothing to lose apart from a small amount of time. I'd have thought it was a no-brainer, unless you can afford/like to pour money down the drain.

[Kickstart]

[Ste]