my fault accident. I want to pay the bill to my insurer

jakeload

Hi

I recently had a very minor accident with a parked vichele. I offered to pay the owner for the works, which i believe to be less than £500 pounds to repair.
The owner wanted to go through the insurance comapnies. I rang my insurer to state that i wanted to pay the bill in order to keep my no claims of 3 years. They stated this was fine and they would pay the bill and I would pay them back. They stated that this should only take a month. thus not losing my no claims.

I rang them today as my insurance is up in one month. To be told this could take six months to complete between the two insurers.

I really dont want to lose my no claims. Any advice please would be great.

Quentin

Not a lot you can do. The wheels of communication between insurers are notoriously slow.

Accept that you won't have this finalised by the time your renewal is due, and any insurer you approach will have to "price" on your current record (fault claim + loss of NCD), and ask if they will adjust your premium should the claim end up as non fault and your NCD is reinstated.

InsideInsurance

Do you know if the TP is claiming from their insurance or directly with yours?

If it is direct then there is little you can do, you will lose the NCD but it will be reinstated once you have reimbursed your insurers. Should be easy if you stay with the same insurer, more difficult (and may be impossible) if you switch - you'll certainly need to inform them the NCD will be reinstated and can they handle that or not.

If they are going via their own insurers then you could ask your insurers to close their case and ask them to forward all correspondence to you to deal with. Some will do this others wont. Of cause you then lose the expertise of your insurers over arguing what is reasonable costs for hire cars, repairs, loss of earnings or whatever other heads of claim the TP/ TPI/ TP rep come up with.