Minor accident, what's next ?

arcon5

neilmcl wrote: »

No you wouldn't. You only earn NCB if you are claim free, if the OP makes a claim then he'll have no entitlement for this current year.

Op has 1 full year, currently being used on a policy which would therefore generate a 2nd year NCB..... what I mean by my original comment was the y1 would be safe but a y2 wouldn't be issued. Although this is moot since it would seem op would also loose that one as well.

1jim

arthurk wrote: »

Is my first year safe or not then ? I'm reading different opinions on that here.

neilmcl wrote: »

It's generally the same across the board. Read your policy docs.

neilmcl wrote: »

No it isn't. As above, read your policy docs.

You may want to read different opinions into what has been said arthurk but there hasn't been any real difference of opinion. You are at fault, you will loose your no claims. You need to read your policy documents, it's all in there. Without wishing to sound rude you really don't seem to know a lot about car insurance etc, in this circumstance the best thing you can do is to phone your insurance company today, pass on the details and let them sort it, the more you dither the more likely the other driver will contact his and they will contact your insurance company

arthurk

I don't indeed, first car, first accident. Thanks for all your help.

arthurk

So yes, I'm loosing 2 years and it'll cost me my total excess. Well, lesson learned.

1jim

arthurk wrote: »

So yes, I'm loosing 2 years and it'll cost me my total excess.

Pretty much as advised. These things happen when things calm down it may be worth trying to work out why you didnt see the other car, did you look over your shoulder? Was there a Lind spot on your car, would blind spot mirrors help? All you can do now is learn from these things for the future now

arthurk

Oh I know exactly why. Line of traffic + empty right lane + last second change + not looking over the shoulder. Lesson learned.

Just to make things clear, both lanes were going ahead, I'm not one of the clever drivers in the wrong lane that drive till the beginning of the queue and indicate they made a mistake and they want to merge.

neilmcl

Excess is only payable against damage to your own vehicle. If you don't put in a claim for that then no excess is payable.

vaio

1jim wrote: »

No,

If you have 15 years no claims and you are hit by someone else and they are at fault your ncb will remain at 15 years

If you have 15 years no claims and you hit someone else (as you have done) and you are at fault (as you are) you will loose 2 years ncb, but most insurers have a maximum number of years ncb that they allocate so the effect will be minimised........

Not sure about "minimised", if you have 15 years NCB and make a claim then you will lose 2 years off the maximum your insurer allows (four or five years) so your NCB will drop from 15 to 2 or 3 years rather than the 13 years logic would tell you to expect.

Couple that with a fault claim and the OP can expect a serious increase in premium come renewal.

arthurk

vaio wrote: »

Couple that with a fault claim and the OP can expect a serious increase in premium come renewal.

I only had year and was working towards second year. The 15 year NCB was just a question. So yeah, it's all gone.

vaio

I'd be inclined to do a dummy quote with no NCB and a fault claim, see what sort of premium you are looking at . Might affect how you proceed with the current issues