Insurance mess!

[phil_cardiff]

Before I ask any questions I suppose I'd better explain the situation.

Eleven days or so someone drove into the back of the fiance's car whilst she was stopped at traffic lights, that claim is still ongoing.

Tonight the same thing has happened. There is further damage to her car.

I'm just wondering how the hell is this resolved? Who pays for what?

I think the car will be writt off which is a shame.

I'm guessing the 2 years no claims discount she has built up are gone too?

What a mess!

[sinizter]

2 years no claims is history.

Just let the insurance company know and let them deal with it. That's what you pay them for. Since the no claims is now toast, just try and get the car repaired (if you still want to, I am not sure I would want to keep one which has been rear-ended twice) or your money back for the car. The insurance company can settle with you and chase the other parties' insurance company for payment (which may even be the same company or group).

Just my take on it.

[randlemarcus]

Dont think her NCB ought to have been affected, as she shouldn't have made a claim on her insurance. I'd query with her insurers, and ensure that she has both listed as no-fault - this might leave her NCBV unaffected. Bear in mind its a discount, so expect the original premium to rise (sharply).

Next time, cut your insurance out completely, and use someone like Anniesdad (Europa) to get it repaired by their insurer.

[KelWedge]

If they were both insured, then if you get hit from behind it not your fault and your insurance will claim off there insurance, so no loss of No Claim Discount. note thats if they were insured, you can check that online if unsure.
As for being hit in the same place as before< let the insurance companies sort it.

Good Luck

[-Z-]

Yeah, NCD will not be affected, although you will suffer from premium loading due to a perceived increase in risk after 2 claims (even w/out fault).

You should, however, be able to claim for the increase in premium from the 3rd party.

[phil_cardiff]

Cheers for the replies. I forgot to add that in October she bumped someone (her fault) and they made a claim through her insurance so I would assume that killed the NCB there and then.

I'm off to buy her a large tub of vaseline for renewal time. It'll be £1000 plus despite 2 of them being non fault. Oh well.

Happy New Year!

[-Z-]

phil_cardiff said:

Cheers for the replies. I forgot to add that in October she bumped someone (her fault) and they made a claim through her insurance so I would assume that killed the NCB there and then.

I'm off to buy her a large tub of vaseline for renewal time. It'll be £1000 plus despite 2 of them being non fault. Oh well.

Happy New Year!

Not necessarily, NCB is lost on a sliding scale, eg someone with 5 yrs NCB would not lose it all because of one fault claim. 2 yrs may not be enough for the sliding scale to kick in but check yours docs. Also, that fact does not stop her claiming for increase in premium and inconvenience from the 3rd party.

[KelWedge]

you assume right! But that three so will be OK now

[phil_cardiff]

Also forgot to add yesterday that we contacted those insurance claim companies so here's hoping they can sort something out for us. I await the lecture about insurance claim companoes putting up everyone's premiums.