insurance again.

devojunior · Brolly Dolly Joined: 12 Sep 2010 Karma :

hi,

when someone is involved in an RTA caused by another driver i.E your hit either in your car or on your bike, do you lose your ncb if you claim ?

when you are involved in an RTA and you do claim is it the other partys insurance who fix your bike / car just abit unclear on the subject thankyou.

adam.

Nai · World Chat Champion Joined: 18 Apr 2010 Karma :

You claim off of the person who caused it normally. It can swing both ways and in some cases go 50/50 between company's.

On whether or not it effects your NCB. That is entirely dependant on what insurance company your with, and funnily enough something I was going to make a thread about today. Some hold non fault claims against you, others don't. Ask about and you'll find out who does and doesn't.

Kickstart · The Oracle Joined: 04 Feb 2002 Karma :

Hi

If you have a no fault claim and claim from the other vehicle then you shouldn't lose your ncb.

However many accidents are decided as both parties being liable, hence both claim from the other and both potentially lose no claims.

As to who fixes the vehicle, depends on insurance. In theory you are claiming from the other party and they are paying to cover the damage, etc. In practice many will do this by dealing with authorised repairers to have the damage fixed. If you have fully comp you will be claiming from your own insurance who sort out your vehicle and will claim from the others insurance. In the short term in this case you will probably lose your no claims and should have it reinstated if it isn't your fault.

Gets extra confusing when you are insured tpft but your insurance company pass on your details to some ambulance chasers to deal with the claim for you.

Edit - whether non fault claims are held against you is largely independent of ncb. You can keep your ncb and still get a loading for having made a claim, whether at fault or not.

All the best

Keith
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bacon · World Chat Champion Joined: 09 Jan 2009 Karma :

dragstaar · World Chat Champion Joined: 18 Aug 2010 Karma :

thx1138 · World Chat Champion Joined: 06 Oct 2005 Karma :

Whilst we are on the subject of bike insurance.... I find it relatively easy to compare prices with bike insurance, are there any good websites that compare customer service in the event of a claim?