Loosing my NCB for an accident I wasn't involved in.
Discussion
(Edit: I am the main driver and my wife is a named driver).
Not so long ago my wife was driving our Range Rover and was involved in a hit and run accident. (young lad on a scooter bashed into the side of Range Rover while my wife was stationary and rode off). He knocked off the wing mirror and put a dent in the drivers door & wing.
My wife originally rang the insurance company and the police to inform them. (The honest thing to do right?) In the end we didn't end up claiming as the repair cost was only just above the excess so I thought "save our NCB and don't continue with the claim".
I just had to ring the ins. company on a different matter and have found out that I have lost my NCB even though I wasn't driving or even in the car! and the 'claim' (that we didn't claim a penny on) is going to remain open for the next 3 years.
My wife's NCB is untouched!
The insurance companies reason for me loosing the NCB and not my wife;
As policy holder you are responsible for your car at all times even when you are not driving it"
Is this the norm? Is there anything legally I can do? (Against the insurance company not the wife
)
Not so long ago my wife was driving our Range Rover and was involved in a hit and run accident. (young lad on a scooter bashed into the side of Range Rover while my wife was stationary and rode off). He knocked off the wing mirror and put a dent in the drivers door & wing.
My wife originally rang the insurance company and the police to inform them. (The honest thing to do right?) In the end we didn't end up claiming as the repair cost was only just above the excess so I thought "save our NCB and don't continue with the claim".
I just had to ring the ins. company on a different matter and have found out that I have lost my NCB even though I wasn't driving or even in the car! and the 'claim' (that we didn't claim a penny on) is going to remain open for the next 3 years.
My wife's NCB is untouched!
The insurance companies reason for me loosing the NCB and not my wife;
As policy holder you are responsible for your car at all times even when you are not driving it"
Is this the norm? Is there anything legally I can do? (Against the insurance company not the wife
)Go through the Financial Ombudsman? - http://www.financial-ombudsman.org.uk/consumer/com...
Put in a complaint but follow the steps.
Put in a complaint but follow the steps.
As is always said, it's a No "Claim" Bonus, and not a No "Blame" Bonus. In this case you've made no claim and therefore surely you should keep it? I'd complain to them, and then the Ombusdman.
As for the other issue, as you told them about it, you will need to declare it as an incident (and an incident where you never recovered your losses at that) which means your premium will probably rise. (in my experience, unless you recover your losses, they treat it as an at fault claim)
As for the other issue, as you told them about it, you will need to declare it as an incident (and an incident where you never recovered your losses at that) which means your premium will probably rise. (in my experience, unless you recover your losses, they treat it as an at fault claim)
Rochester TVR said:
(Edit: I am the main driver and my wife is a named driver).
Not so long ago my wife was driving our Range Rover and was involved in a hit and run accident. (young lad on a scooter bashed into the side of Range Rover while my wife was stationary and rode off). He knocked off the wing mirror and put a dent in the drivers door & wing.
My wife originally rang the insurance company and the police to inform them. (The honest thing to do right?) In the end we didn't end up claiming as the repair cost was only just above the excess so I thought "save our NCB and don't continue with the claim".
I just had to ring the ins. company on a different matter and have found out that I have lost my NCB even though I wasn't driving or even in the car! and the 'claim' (that we didn't claim a penny on) is going to remain open for the next 3 years.
My wife's NCB is untouched!
The insurance companies reason for me loosing the NCB and not my wife;
As policy holder you are responsible for your car at all times even when you are not driving it"
Is this the norm? Is there anything legally I can do? (Against the insurance company not the wife)
But you didnt claim, how can they remove your 'NO CLAIMS'? Maybe write to the Ombudsman.Not so long ago my wife was driving our Range Rover and was involved in a hit and run accident. (young lad on a scooter bashed into the side of Range Rover while my wife was stationary and rode off). He knocked off the wing mirror and put a dent in the drivers door & wing.
My wife originally rang the insurance company and the police to inform them. (The honest thing to do right?) In the end we didn't end up claiming as the repair cost was only just above the excess so I thought "save our NCB and don't continue with the claim".
I just had to ring the ins. company on a different matter and have found out that I have lost my NCB even though I wasn't driving or even in the car! and the 'claim' (that we didn't claim a penny on) is going to remain open for the next 3 years.
My wife's NCB is untouched!
The insurance companies reason for me loosing the NCB and not my wife;
As policy holder you are responsible for your car at all times even when you are not driving it"
Is this the norm? Is there anything legally I can do? (Against the insurance company not the wife
)I once had a small accident that reared up two years later that I had to pay some costs towards a fence repair.
If I had claimed, it would have taken me to three claims in 3 years and so my No Claims Protection would be lost and also hit my NCB.
I told the insurance company I would settle myself and so I had no problem and they evenundertook the communications between myself and the third party.
Some more of their reasoning;
"The loss of NCB is to protect themselves against the possibility of the 3rd party claiming against them for personal injury.
The claim will remain open for the next 3 years, but could be closed sooner should the 3rd party not claim again you.
If no claim is made against you then you can reclaim your NCB once the claim has been closed".
Sounds like b
ks to me! And it sounds like I am have a case to complain!
"The loss of NCB is to protect themselves against the possibility of the 3rd party claiming against them for personal injury.
The claim will remain open for the next 3 years, but could be closed sooner should the 3rd party not claim again you.
If no claim is made against you then you can reclaim your NCB once the claim has been closed".
Sounds like b
ks to me! And it sounds like I am have a case to complain!anothernameitist said:
Its the policy that looses the bonus and the policy is in your name. I Assume
So if I was a named driver on your car I could take it for a joyride and smash into numerous other cars I wouldn't loose any of my NCB or need to declare any accidents or claims come renewal time on my own car?You on the other hand will loose your NCB and have to declare my accidents when you renew.
This cant be right surely?
Rochester TVR said:
So if I was a named driver on your car I could take it for a joyride and smash into numerous other cars I wouldn't loose any of my NCB or need to declare any accidents or claims come renewal time on my own car?
You on the other hand will loose your NCB and have to declare my accidents when you renew.
This cant be right surely?
You are correct, it's not quite right.You on the other hand will loose your NCB and have to declare my accidents when you renew.
This cant be right surely?
The policy holder would lose their NCD and would need to declare the claim on their future renewals.
You, as the named driver, would not lose your NCD (as it is not your policy), but you would have to declare the claims on future renewals.
Edited by Mandat on Wednesday 9th October 14:46
plasticpig said:
I would complain to the ombudsman (after going through your insurance companies complaints procedure). Informing your insurance company that you have had an accident is not the same as making a claim.
Exactly.It is a "No Claims Discount" and the clue is in the name.
Yet another "try on" by an insurance company.
Gassing Station | General Gassing | Top of Page | What's New | My Stuff