Car Insurance - Extras!

Notmyrealname

Windscreen cover should be considered a must have.

Joe_Horner

Don't forget that you only lose NCD after an at-fault accident. All those (apparently) unavoidable ones where someone "drives into the back of you, drunk, without insurance and without their guide dog in the passenger seat while you're at lights" won't affect your NCD.

So, the simple (and free) way to protect your NCD is don't do anything stupid and cause an accident yourself. Regardless of whether or not the spurious "someone else did..." ones that people trot out are avoidable, any accident where you're at fault could have been avoided by you.

Protecting your NCD is effectively saying that you don't trust yourself not to f*ck up behind the wheel!


eta: legal cover is very much a matter for personal circumstances. Personally I don't have it, but I'm more than capable of issuing a claim myself if I ever needed to (although I'd probably be to busy berating myself for failing to spot the other guy's mistake in time to do so )

forgotmyname

What about accidents where you were not at fault but have no witness and it goes 50/50?

What if your insurance cannot recover their costs?

What if your car is vandalised whilst parked?

whatmichaelsays

banner188 wrote: »

no-one heard of isa's?

You heard an ISA that's currently paying more than the rate of inflation?

Quentin

Joe_Horner wrote: »

Don't forget that you only lose NCD after an at-fault accident. All those (apparently) unavoidable ones where someone "drives into the back of you, drunk, without insurance and without their guide dog in the passenger seat while you're at lights" won't affect your NCD.

So, the simple (and free) way to protect your NCD is don't do anything stupid and cause an accident yourself........

No it doesn't work like this.

It's nothing to do with ensuring you are blameless.

You only lose NCD if your insurer pays out any money and cannot get it back from anyone, which is quite different to what you are saying.

There are many posts on MSE from blameless drivers with comprehensive insurance feeling unfairly dealt with after being involved in claims which results in them losing their unprotected ncd!

eg: when crashed into by a driver having a heart attack

coming back to their car and finding damage done by an unidentified third party

tiles falling off a roof damaging car whilst parked