2 years NCB docked on renewal after unsettled no fault accident

avaface

Your insurance company will take away your no claims discount until the claim has been resolved either way. After the case has been resolved your premiums will be adjusted and any money you have paid will be taken off this new amount. (assuming they find in your favour). In the short term it means a higher payment every month(a pain i know) but in the end it'll work itself out. In the future always tell your insurer,your no claims discount is based on only the claims you or another party has made,if neither of you makes a claim it won't affect it and at least you've covered your back. Good luck,hope this helps.

mikey72

societys_child wrote: »

In my policy booklet it states, failure to inform the insurance company of any incident, however small (blame/ no blame - claim/ no claim) is punishable under law. Fines can be in the four figure bracket. It's a legal requirement! So if someone bumps your car with a shopping trolly, you're supposed to report it apparently . . .

Who are you insured with.
Which company would say it was an offence to be hit with a shopping trolley, and not shop yourself to them?

Tobster86

Catch up:
Same driver has since accused us of a seperate incident; apparently reversing into his stationary Porsche Boxter, 6 weeks later, at a date and time while both of us were in Poland on holiday!
Waiting for insurance company to advise whether I should contact the police about it. It's a bit of a difficult one as he could have made a genuine mistake and got details mixed up with someone elses.

Other case is ongoing, very slowly. Meanwhile have had to buy a new policy at about £90 more than it would have been otherwise, so not the end of the world.

thescouselander

Sorry but I think your screwed. If there's one place you don't want to crash its on a roundabout - apparently more often than not it ends up going 50:50 no matter what the circumstances of the accident as this is easier for the insurance companies involved.

2sides2everystory

Tobster it sounds extremely odd that the third party has claimed against you for another incident. Have you been near them at all since the first accident?? Might they have targeted you in the first incident and then if you seemed a soft-touch on that one decided to stalk you for another one? They may even have made a mistake in the scam admin. They'd already submitted a claim against you but made the mistake of submitting another when farming their ill-gotten lists of details?

I don't know exactly how they work but looks more and more like a scumbag scammer like we have been warned about on tv lately - they cruise around town hunting for opportunities (usually at or near roundabouts) for driving into you 50/50 or arguing you drove into them and actually deliberately cause the accidents and then often via fraudulently setup "repairers" and "hire car organisations" claim for stuff like extortionate hire car costs whilst their beloved Boxster is "off the road" - claiming for damage that supposedly incurred but may not have been and could have been from earlier attempts to scam which has not been repaired. I believe they often use (their own) more expensive cars for the purpose. There's a lot of it about apparently and I agree totally with your summation of the UK today, by the way.

Glad the renewal didn't sting too much. I think I would not hesitate to report this to the police myself in your shoes. If they have any tabs on the third party already then you'll be doing everyone a favour. If not then no real harm done.

Kilty_2

thescouselander wrote: »

Sorry but I think your screwed. If there's one place you don't want to crash its on a roundabout - apparently more often than not it ends up going 50:50 no matter what the circumstances of the accident as this is easier for the insurance companies involved.

If you ever have a dodgy accident on a roundabout, make a [strike]false[/strike] [strike]questionable[/strike] personal injury claim - worked for the person that drove into me who ended up winning the claim and I was stripped of my NCB and excess.

My insurer didn't [strike]have the balls[/strike] want to go to court.

skiddlydiddly

Tobster86 wrote: »

Catch up:
Same driver has since accused us of a seperate incident; apparently reversing into his stationary Porsche Boxter, 6 weeks later, at a date and time while both of us were in Poland on holiday!
Waiting for insurance company to advise whether I should contact the police about it. It's a bit of a difficult one as he could have made a genuine mistake and got details mixed up with someone elses.

Other case is ongoing, very slowly. Meanwhile have had to buy a new policy at about £90 more than it would have been otherwise, so not the end of the world.

I'd have thought this could only strengthen your case as it proves he is either a liar or not very good at getting facts together.