Can I dispute a care insurance claim?

[Deleted User]

That's interesting - I didn't realise you could reimburse the insurer.

I always thought that the insurer would be going through some kind of subrogation behind the schemes and getting their money back elsewhere.

Slightly off-topic and hypothetical, but I'm assuming the repayment is just for the NCD and not for the premium? i.e. if I repaid the amount they paid out, the NCD would return, but my premium would still be increased because of the 'risk' they viewed as a customer?

Finally, back on topic, it's my understanding that there's a £150 excess on the policy - how is this normally collected? It wasn't in the renewal, so would the insurer invoice us for this separately and - if so - when?

Quentin

Yes, repaying an insurer just maintains the NCD, the incident remains on the driver's history, and still has to be declared on future proposals for as long as the relevant insurer asks for a history.

The excess won't be payable in this case.

Excess is normally on sections of a policy covering damage to the policyholder's own car, not damage done to third party property.

lisyloo

By the way, my understanding in all of this was that I shouldn't offer to pay the repairs myself as that invalidates my insurance?

You should not accept liability at the scene.

At a later date, once liability is settled I think you can pay the costs yourself rather than make a claim.
For someone with non-protected NCD this might make sense if the costs was £35.
Even with protected NCD there is a benefit because you can still lose NCD if you have multiple accidents so you have lost once chance.