insurance thoughts
Discussion
i confess - I had a parking ding- little damage to other car (rear bumper on one corner) a bit more on mine (nearside wing and door scraped lightly dented)- no one hurt, no police, amicable - my fault entirely
on discussion with my broker my premium will go up about a third ( full ncb, insured, 500 pounds/year) if I claim on my insurance ( the other party will anyway) - if I go to my bodyshop it'll be 700 - 800 quid- with the approved repairer poss more - there is 350 pounds excess, looks like it ll cost me the same whatever I do- any ideas how quickly rates go down again after something like this?
also not sure why I protect my ncb if it goes up regardless?
on discussion with my broker my premium will go up about a third ( full ncb, insured, 500 pounds/year) if I claim on my insurance ( the other party will anyway) - if I go to my bodyshop it'll be 700 - 800 quid- with the approved repairer poss more - there is 350 pounds excess, looks like it ll cost me the same whatever I do- any ideas how quickly rates go down again after something like this?
also not sure why I protect my ncb if it goes up regardless?
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