Insurance question

[ajcerb]

If you have two cars insured with the same insurance compnay will a claim on one of them affect the no claims discount or renewal terms on the other? Had a bit of a ding in the shopping trolley at the weekend which is likley to cost a bit more than i want to pay in cash but don't want to find that in making a claim I end up paying in more ways than one. No no-claims on that one as transferred it to the Cerb when I switched insurance company for the Cerb. Am with Tesco now for both. All advice or experience appreciated. Thanks

[ajcerb]

anyone....

please.......

I know it isn't the most interedting of posts but there must be someone out there who knows the answer, or has an opinion. Could call the insurance company in question but don't really want to flag it up with them just yet.

Yours in anticipation.

[touchingcloth]

My understanding is that you are responsible for reporting any change to your circumstances..i.e. you should declare the accident, it should not reduce your no claims but your insurance could still go up because of the accident.

For instance you still get 60% discount but off of a full price £1200 policy rather than a £900 policy.

I think this would stand regardless of whether the cars were with the same insurance, if you don't declare it and they find out (joint database these days make it very easy) then they could just void your insurance. If you do end up paying yourself with cash then it would be very hard for them to find out so would not bother declaring if you go down that route (although to the strict letter of the terms I think you a probably meant to even then).

Don't hold me to it though, certainly no expert. You could try emailing Ph'er "Anniesdad", this is his field of expertise.



>> Edited by touchingcloth on Tuesday 28th February 13:04

[ajcerb]

thanks for the reply - thought i was going to have to start playing dirty and posting the questions under title 'TVR Naked Babes' to get anyone's attention. will do as suggested. Cheers ps if its not a rude question why did you change your PH name, and what on earth does it mean?

[touchingcloth]

ajcerb said:

if its not a rude question why did you change your PH name, and what on earth does it mean?

Not a rude question but the answer to it's meaning is a bit rude. Changed my name when I bought the Cerb and I think the meaning of the phrase was quite apt to ownership.

Poop Thesauraus said:

.....Breanne B. uses "touching cloth" to refer to this desperate need to defecate, from the sensation that the poop is already emerging and is in fact touching cloth..... source = www.heptune.com/poopword.html

My apologies for ruining yor lunch

[ajcerb]

Lets pretend i never asked

[gazzab]

touchingcloth said:

My understanding is that you are responsible for reporting any change to your circumstances..i.e. you should declare the accident, it should not reduce your no claims but your insurance could still go up because of the accident. For instance you still get 60% discount but off of a full price £1200 policy rather than a £900 policy. I think this would stand regardless of whether the cars were with the same insurance, if you don't declare it and they find out (joint database these days make it very easy) then they could just void your insurance. If you do end up paying yourself with cash then it would be very hard for them to find out so would not bother declaring if you go down that route (although to the strict letter of the terms I think you a probably meant to even then). Don't hold me to it though, certainly no expert. You could try emailing Ph'er "Anniesdad", this is his field of expertise. >> Edited by touchingcloth on Tuesday 28th February 13:04

Agreed!