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nick.h
World Chat Champion



Joined: 12 Sep 2004
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PostPosted: 18:49 - 07 Oct 2005    Post subject: Insurance Claim Reply with quote
Well my insurance claim has started to progress.

I found out that we (me and the car driver) are both with the same company, so that should speed things up.

I got a estimated damage report done from a local garage.

Parts and labour come to £1050, although the bike has only been insured for £1000, the bike is worth so much less. So im unsure what they will do. We also have to arrange a time for one of their engineers to come around and access the bike.

I was thinking, may be a stupid question but here I'll go,

I will lose my NCB if this guy claims from my insurance, but if i claim off of his insurance i wouldnt loose my NCB.

Now by claiming off of his insurance (which i hope to do) i will be, in turn claiming off my own insurance. This is confusing me, will i still have a NCB if i claim from his(mine) insurance company?

Nick
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Mike H
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Joined: 07 Oct 2005
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PostPosted: 22:50 - 07 Oct 2005    Post subject: Re: Insurance Claim Reply with quote
Nick.H wrote:
I found out that we (me and the car driver) are both with the same company, so that should speed things up.


Common misconception. This actually slows things down. If there is an argument over liability, then in normal circumstances one insurer will issue proceedings against the other, however with you both being insured with the same company, they can't do this, as you cannot sue yourself....so if it's disputed liability, you could be in for the long haul.



Quote:
I will lose my NCB if this guy claims from my insurance, but if i claim off of his insurance i wouldnt loose my NCB.

Now by claiming off of his insurance (which i hope to do) i will be, in turn claiming off my own insurance. This is confusing me, will i still have a NCB if i claim from his(mine) insurance company?

Nick


Imagine it as two seperate insurance companies. In effect it is. It's probably not even the same department dealing with each of your claims. if you are found to be not at fault you WILL keep you NCB.
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rizo9
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Joined: 04 Jun 2004
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PostPosted: 22:51 - 07 Oct 2005    Post subject: Reply with quote
of corse you will keep your NCD if the TP admites he wat at fault, it has no bearing that you are insured through the same company, wat happened in the incident?
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nick.h
World Chat Champion



Joined: 12 Sep 2004
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PostPosted: 23:07 - 07 Oct 2005    Post subject: Reply with quote
As far as i know he hasnt challenged the claim, so far.

Firstly they sent him out a letter, which he had 10 days to reply to.
As he didnt reply to it they sent out another letter which he had 7 days to reply to, im not sure if he did/didnt yet.

I'm not really sure how these things work.

Nick
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Mike H
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Joined: 07 Oct 2005
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PostPosted: 23:12 - 07 Oct 2005    Post subject: Reply with quote
lol insurance companies give you ten days to reply but most work on a backlog situation so they won't get round to dealing with it for 3 weeks anyhow.

Keep ringing them, thats the only way to progress it quickly. Wink
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nick.h
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Joined: 12 Sep 2004
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PostPosted: 23:13 - 07 Oct 2005    Post subject: Reply with quote
Quote:
wat happened in the incident?


Simply,

I was riding along, saw my mates in a bus stop, indicated, braked while trying to pull in and he hit me up the arse and i went sliding down the road.

Police said it we were both riding/driving with undue care and attention, as i didnt check my mirrors before pulling in, and he was right up my arse and not paying attention.

My dad, who is processing the claim has managed to get help for a solicitor from the BMF, which is useful.
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Mike H
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Joined: 07 Oct 2005
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PostPosted: 23:15 - 07 Oct 2005    Post subject: Reply with quote
Did the police put it in the incident report that you wer both driving without due care and attention?
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nick.h
World Chat Champion



Joined: 12 Sep 2004
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PostPosted: 23:41 - 07 Oct 2005    Post subject: Reply with quote
Nope the police made no proper report as far as i know, i didnt make a proper statement ect. The copper just said that it was both our faults and if he took it any further then we would both loose our licenses.

Thanks to the copper that was first on the scene and helped calm me down Thumbs Up He rode a VFR 750 if hes on here Thumbs Up

Nick
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Mike H
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Joined: 07 Oct 2005
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PostPosted: 23:43 - 07 Oct 2005    Post subject: Reply with quote
Then if the copper made no official report you should be fine as he hit the arse end of you. Wink
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Rob W
World Chat Champion



Joined: 09 Nov 2004
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PostPosted: 23:47 - 07 Oct 2005    Post subject: Reply with quote
So if the other driver admits liability (and in my case he was done for dangerous driving) you still keep your NCB, is this true?
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Mike H
Derestricted Danger



Joined: 07 Oct 2005
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PostPosted: 23:50 - 07 Oct 2005    Post subject: Reply with quote
Reflex wrote:
So if the other driver admits liability (and in my case he was done for dangerous driving) you still keep your NCB, is this true?


Your NCB is affected when you intimate a claim on your policy. However it is reinstated should your insurers make a full recovery from the liable third party.

If your renewal happens to fall during the middle of the claim whilst liability is being discussed, you will have an increased premium as you have a claim live on your policy.

Once liability is agreed however any increased premium that you incurred can be claimed back as an uninsured loss against the liable party's insurer. But you will require a letter for your insurer proving how much the premium increased by. Very Happy
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