Help with Insurance issue - where do I stand
Discussion
Hi,
I just got my insurance renewal through the post and it has gone up by about £250. Upon inspection of the quote I noticed that it was based on a NCB of 2 years. However, last year I had 4 year NCB and havent made any claims. So I expected it to be 5 yers NCB this year.
A few months back my car was hit by a foreign registered van. I told my insurer about it, they said they couldn't claim against the foreign driver as the reg details werent shown on any database. They said that I would have to claim on my own policy and then they would try to recoup the costs but it would difficult. So I decided not to claim. A claim was never made in any shape or form. I remember that I explicitly asked them if it will effect my renewal or NCB to which they assured my that it would not.
I called the insarance company today and was told that it was because I had an accident. I told them that I never claimed and that I was assured it wouldnt effect my NCB. They are now looking into and are going to call me back. I'm a bit worried that if they don't reinstate my NCB I have no recourse and will be shafted!
So is this the way insurance works? Or have I has my NCB wrongly been reduced?
I just got my insurance renewal through the post and it has gone up by about £250. Upon inspection of the quote I noticed that it was based on a NCB of 2 years. However, last year I had 4 year NCB and havent made any claims. So I expected it to be 5 yers NCB this year.
A few months back my car was hit by a foreign registered van. I told my insurer about it, they said they couldn't claim against the foreign driver as the reg details werent shown on any database. They said that I would have to claim on my own policy and then they would try to recoup the costs but it would difficult. So I decided not to claim. A claim was never made in any shape or form. I remember that I explicitly asked them if it will effect my renewal or NCB to which they assured my that it would not.
I called the insarance company today and was told that it was because I had an accident. I told them that I never claimed and that I was assured it wouldnt effect my NCB. They are now looking into and are going to call me back. I'm a bit worried that if they don't reinstate my NCB I have no recourse and will be shafted!
So is this the way insurance works? Or have I has my NCB wrongly been reduced?
As far as the insurance company is concerned, the fact that you have not claimed is irrelevant, as they will simply load the premium as you're now an increased risk. Don't know why the NCB would be affected though.
Mine's gone up £500 due to a non-fault claim earlier in the year.
Mine's gone up £500 due to a non-fault claim earlier in the year.
Edited by mmm-five on Thursday 25th November 09:44
mmm-five said:
As far as the insurance company is concerned, the fact that you have not claimed is irrelevant, as they will simply load the premium as you're now an increased risk. Don't know why the NCB would be affected though.
Mine's gone up £500 due to a non-fault claim earlier in the year.
If you're involved in a scrap, told the insuerer but never made a claim, do you have tell future insurers? I thought they were only concerned if a payment was made?Mine's gone up £500 due to a non-fault claim earlier in the year.
Edited by mmm-five on Thursday 25th November 09:44
Op,
What may have happened is when you call to report an incident a claim is opened to take the details if you then decide to not claim its closed but there may have been an Automatic message to the relevant person/department to remove NCB whilst a claim is open (as is standard until fault is determined).
What i think has happened is that when the claim has been closed they haven't re-added your NCB, I'm sure the insurer will realise this when checks have been made and your ncb will be re-instated.
HTH
What may have happened is when you call to report an incident a claim is opened to take the details if you then decide to not claim its closed but there may have been an Automatic message to the relevant person/department to remove NCB whilst a claim is open (as is standard until fault is determined).
What i think has happened is that when the claim has been closed they haven't re-added your NCB, I'm sure the insurer will realise this when checks have been made and your ncb will be re-instated.
HTH
Edited by ZOLLAR on Thursday 25th November 09:51
ZOLLAR said:
Op,
What may have happened is when you call to report an incident a claim is opened to take the details if you then decide to not claim its closed but there may have been an Automatic message to the relevant person/department to remove NCB whilst a claim is open (as is standard until fault is determined).
What i think has happened is that when the claim has been closed they haven't re-added your NCB, I'm sure the insurer will realise this when checks have been made and your cnb will be re-instated.
HTH
I certainly hope that's the case. What may have happened is when you call to report an incident a claim is opened to take the details if you then decide to not claim its closed but there may have been an Automatic message to the relevant person/department to remove NCB whilst a claim is open (as is standard until fault is determined).
What i think has happened is that when the claim has been closed they haven't re-added your NCB, I'm sure the insurer will realise this when checks have been made and your cnb will be re-instated.
HTH
If you are involved in an accident that was not your fault (and the TP Insurer pays for your damage etc etc) and then your insurance is increased because of a perceived increase in risk, then should you be able to claim the increased premium off the TP? It would appear to me to be a cost directly linked to the incident.
This is hypothetical, so far never been involved in an accident at all (which now means I will have one within 5 minutes of next starting the engine) but the above poster who mentioned an increase of £500 because they were a victim of an accident seems inherently unfair to me.
This is hypothetical, so far never been involved in an accident at all (which now means I will have one within 5 minutes of next starting the engine) but the above poster who mentioned an increase of £500 because they were a victim of an accident seems inherently unfair to me.
ZOLLAR said:
Op,
What may have happened is when you call to report an incident a claim is opened to take the details if you then decide to not claim its closed but there may have been an Automatic message to the relevant person/department to remove NCB whilst a claim is open (as is standard until fault is determined).
What i think has happened is that when the claim has been closed they haven't re-added your NCB, I'm sure the insurer will realise this when checks have been made and your ncb will be re-instated.
HTH
Agreed, The worst they will do is ask you to put it in writing that you do not wish to claim.What may have happened is when you call to report an incident a claim is opened to take the details if you then decide to not claim its closed but there may have been an Automatic message to the relevant person/department to remove NCB whilst a claim is open (as is standard until fault is determined).
What i think has happened is that when the claim has been closed they haven't re-added your NCB, I'm sure the insurer will realise this when checks have been made and your ncb will be re-instated.
HTH
Edited by ZOLLAR on Thursday 25th November 09:51
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