NCD loss due no fault write off

erici

I am sure this has been covered previously but can anybody kindly advise the best course of action.
3 weeks ago my daughter's car was stolen and burnt out.She has a 3 year ncd but on renewal will she lose this.She is unable to reclaim her 150.00 excess as the police have not caught anybody.Is there a body existing to compensate her for losses due no fault of her own.
Thanks in advance for any advise given.

pwllbwdr

The insurance company is compensating her for her loss. £150 excess is pretty low.

motorguy

erici wrote: »

I am sure this has been covered previously but can anybody kindly advise the best course of action.
3 weeks ago my daughter's car was stolen and burnt out.She has a 3 year ncd but on renewal will she lose this.She is unable to reclaim her 150.00 excess as the police have not caught anybody.Is there a body existing to compensate her for losses due no fault of her own.
Thanks in advance for any advise given.

No.

How would that ever work? Sure anyone would then just say their car had been stolen and claim of this 'body'.

As has been said, she has claimed off her insurance to be compensated for her loss.

vikingaero

This is one of the hidden costs of motoring that you occasionally have to take on the chin.

vaio

Not a lot of consolation but if she had three years (and so would have had four at renewal) I’d have thought she would still have one maybe two years NCB

Indout96

If she had 3 years she should drop back to 1 year, you normally lose 2 years + the year you are on as well.

vaio

Is losing the year you are on in addition to the normal two years universal across insurers?

JQ.

I don't know the answer to my own question so would be interested in other people's view : Is this actually a "no-fault" claim? Surely it's a fault claim as she's claiming off her own insurance co., no-fault claims arise when someone elses insurance pays for the damage.

dogshome

No Claims Discount does exactly what it says on the tin - make a claim for any reason whether you are at fault or not, and it's gone

chalkie99

dogshome wrote: »

No Claims Discount does exactly what it says on the tin - make a claim for any reason whether you are at fault or not, and it's gone

That's not quite true.

It depends on whether or not your insurance company is able to reclaim the money from the person(s) at fault or that persons insurer by proving liability.

It isn't go to help the OP here though as the culprits are very unlikely to be traced. (Even if they were you would never get compensation).

The excess is a bit unfortunate as they used to apply, in the vast majority of cases, only to accidental claims and not theft. That seems to have changed over the years. You can usually pay a bit extra on your premium to reduce the excess but most people are only looking at keeping the premium down.

kwaks

JQ. wrote: »

I don't know the answer to my own question so would be interested in other people's view : Is this actually a "no-fault" claim? Surely it's a fault claim as she's claiming off her own insurance co., no-fault claims arise when someone elses insurance pays for the damage.

Its a theft claim. So fault/no fault is not an issue.