good bye no claims

[Ian Geary]

After 9 years of careful driving (well, a bit of luck too) a lapse in concentration finally caught me out.

I was reversing the estate into my drive, when I scuffed next door's shiny new car, which was parked close to the edge of the drop kerb.

I popped round to tell her, and being a lease car, her dealer insisted that they repair it - estimate of £300.

I rang the insurance, expecting to lose a couple of years.

But it seems that my insurers drop immediately to 5, which is the "maxiumum" and then take another 2 off.

So a simple scuff sees me go from 9 to 3. The guy taking my claim details at the time didn't mention this.

A bit annoying, especially as I didn't notice my multicar renewal lost my protected ncb which I had on my single car policy.

Hey ho, at least I'm supporting the paint shop / insurance sectors of the economy at this fragile time.


Ian

[frosted]

Very very poor

I would have drove straight to the cash point and gave her 300 quid

[LMC]

^^ Phone them up tomorrow and tell them the claim's been settled amicably. Then beg, steal or borrow 300 quid to pay the neighbours lot.

It'll work out a lot cheaper come renewal time.

[anonymous-user]

LMC said:

^^ Phone them up tomorrow and tell them the claim's been settled amicably. Then beg, steal or borrow 300 quid to pay the neighbours lot.

It'll work out a loss cheaper come renewal time.

This.

Its great though isn't it, you spend years building NCB then those lovely insurance people* find every way to screw you when you need cover.

*wkers

[HON2A]

frosted said:

I would have drove straight to the cash point and gave her 300 quid

This. Must have saved me a fortune over the years.

[cuprabob]

As above, find £300 and don't claim.

All insurance companies have max NCD at around 5ys so even if you had 20 years NCD it would drop back to 3yrs.

[sparkyhx]

LMC said:

^^ Phone them up tomorrow and tell them the claim's been settled amicably. Then beg, steal or borrow 300 quid to pay the neighbours lot.

It'll work out a lot cheaper come renewal time.

what he said

[Ian Geary]

thanks for the replies guys.

I'm tempted to go to the cash point - did the same with my motorbike a couple of years back.

But spoke to insurer again - paying £300 myself and taking my ncb back to 9 years would save save me about £75, so it would take 4 years to get my cost back. And £300 is still an estimate - I haven't got the final bill yet from the dealer's service shop, which could be more.

I'll have to pay one way or the other, but I'm just surprised how much insurance has gone up.


Ian

[J4CKO]

they will still record it, once you ring them that seems to be it.

[offshorematt2]

It's funny how it works. I presume by multicar, you're insured with Admiral? At renewal, I realised that they'd cocked up my NCB and only given me 2yrs instead of 4yrs on one of my cars. I phoned them up to put it right and they agreed immediately. So my renewal dropped by... wait for it... £19. On a £750 renewal. I thought each year was approx 10% discount? Oh no, that's just a guide, sir. So if I have an accident, my insurance won't really change then? Errr, I can't guarantee that, sir. No of course you can't, you thieves.

Legalised robbery.

[mig25_foxbat2003]

J4CKO said:

they will still record it, once you ring them that seems to be it.

Yep, and then they'll swear blind you've made a claim, come renewal time. Or two, on the same day, for the same incident (of theft) if you're me...