Do I loose my NCD

NoExpert_3

Hi,

Can anyone confirm whether I am likely to loose my NCD on my car insurance if I make a claim against another person who ran into the back of me?

Thanks.

lisyloo

Providing it is 100% their fault and eventually the claim comes off THEIR insurance then you won't lose your NCD however some caveats

1) They need to have valid insurance and be traceable

2) It needs to be 100% their fault (usually is if they shunted you from behind but there are always exceptions).

3) Often you temporarily claim off your own insurance. This is to get you back on the road whilst the arguments go on. Temporarily this means your NCD may be affected. If you need to renew or change insurers during this time this may be a problem. If you are sticking with your existing insurer and they know it was a rear shunt then you maybe ok, but if you are changing insurer and they have no access to details about the claim then it may affect your NCD. I believe this can all be rectified later.

NoExpert_3

As it happens I need to renew by the 8th June. Typical!!!

Haven't notified my insurance yet as the car is driveable.

lisyloo

How badly damaged is your car (I mean in terms of expense)?

Is it worth sorting it out outside of insurance?

If the other person is willing and there are no injuries and minor damage it would be easier for them to simply pay for your repairs.

They won't lose their no claims this way.

NoExpert_3

I've suggested this, and I'll see what he says tonight. The bumber alone is £630 new and there is some body work for which I get an estimate on Tuesday.

fimonkey

AND... If you claim of your existing insurer now, they'll bump up your premium massively at renewal time in June.

Alternatively, if the claim is ongoing at that point (which is likely) and you try to move insurer they too will bump up your premium plus your original insurer will not have any incentive to sort this out and reinstate your NCB as you're no longer their customer!

Eitehr way, Insurance bully's win again!

lisyloo

The bumber alone is £630 new and there is some body work

That's too high.
They will want to go through insurance.

AND... If you claim of your existing insurer now, they'll bump up your premium massively at renewal time in June.

Your existing insurer should refund you in this case (as they know all about the claims and have all details).

Alternatively, if the claim is ongoing at that point (which is likely) and you try to move insurer they too will bump up your premium plus your original insurer will not have any incentive to sort this out and reinstate your NCB as you're no longer their customer!

Eitehr way, Insurance bully's win again!

No I disagree.
Get a quote for both cases and make the person who's responsible for the accident pay for it (you will need documentation so get written quotes for both so you can prove the different).

Do you have legal insurance?
If so then you can ask the legal insurance company to claim back your "uninsured losses".

If you don't have legal insurance then it's a bit harder but the small claims court is cheap and easy, so you jsut need to write to the person with the evidence stating that if they don't cough up for your costs you'll take them to court.
I'm not a legal expert but prevented with the evidence (off a completed insurance claim and raised costs) then I think a judge will rule in your favour if they won't cough up.

fimonkey

My partner and also a friend had a similar situation, so my two penneth worth above is correct (whether you agree or not is a different matter). It is SO MUCH HASSLE to try and get the extra you'll pay on your premium back, don't under-estimate the fact you'll be dealing with insurance bods who have no authority to make decisions and are governed by a computer. .. Letters will get 'lost in the post' etc etc etc......

Eitehr way, you're stuffed if you do and you're stuffed if you don't! ...

However I realise I'm not at this point contributing anything to your question, otehr than making known my displeasure at greedy insurance companies. I wish you all the luck (and patience) in the world mate!

lisyloo

Letters will get 'lost in the post'

If you are dending something important then pay and extra 65p and send it recorded delivery.

I'm not saying that you aren't right about it being fustrating dealing with these people but there ARE ways round it (like recorded delivery or standing by the fax machine or emails with receipts etc.)

at greedy insurance companies

I undertand your frustration but of a case is not settled then the new insurance company have no way of knowing if it's your fault or not.
This is not THEIR fault, it's just unfortunate timing.

BTW - I don't work for an insurance company, just adding some balance.