Car Insurance Claim

paulharding150

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vusys1

as its your friends policy they will lose their NCD.

If its TP there will be no excess as no other partys invloved.

If comp and you do claim there will be an excess to pay and possibly the remaining balance of any premium will need to be paid.

paulharding150

deleted, no longer relevant

adamc260

You were covered on your friends policy so its their NCB affected and if they claim (providing they have comp) their excess is payable. As said above, on the settlement given its likely the remaining premium will be taken off it.

You still need to make the insurer aware regardless of claiming.

paulharding150

deleted, no longer relevant

adamc260

Then you report the incident to the insurer but you cannot claim for any damage as your only covered third party fire and theft and not for your own damage.

vaio

S reg fiesta is, as you say worth bug ger all….

That being the case it would generally be madness to claim when you balance what you will get for the car against excess, lost NCB, future premium loadings and possible loss of the remainder of the policy.

hubert_cumberdale

i would buy her a new one and thats that

she will loose her no claim unless shes protected

paulharding150

deleted, no longer relevant

Quentin

She will remain with no NCD, unless she cancels this claim. (She/you may have to reimburse the insurers any costs so incurred so far - eg who pays for the removal and storage?)

If she cancels the claim, and completes a full year without any more claims then she will have one years NCD at renewal.

paulharding150

Silly question what does 'cancelling a claim mean' ?