Hit another car whilst parking

AliceBanned

Just done dummy quotes - with "accident - at fault, but not affecting NCD" added, it adds £50 for the year only. So I think if the costs are more than say £150 I will just do it via the insurance.

Captain_Flack.

AliceBanned wrote: »

Just done dummy quotes - with "accident - at fault, but not affecting NCD" added, it adds £50 for the year only. So I think if the costs are more than say £150 I will just do it via the insurance.

As you've told them expect the rise whether you claim or not.

AliceBanned

Yes. I doubt the guy is just going to pay for the repairs himself, and it is an Audi, so £50 a year for a couple of years isn't too bad for a stupid mistake. I can't see it getting any worse than that, presuming my driving record is ok in the future.

Quentin

AliceBanned wrote: »

Just done dummy quotes - with "accident - at fault, but not affecting NCD" added, it adds £50 for the year only. So I think if the costs are more than say £150 I will just do it via the insurance.

As previously explained, when you pay extra to protect your NCD it is (in the main) just for incidents like this.

(If you only ever have non fault claims, then your NCD won't be reduced, and there would be no need to pay extra to protect it).

So if this claim is only adding £50 to your premium you are seeing the value of paying extra to protect your NCD over how ever many years you have paid the additional premium.

Some companies only require 3 years history of claims, so (taking a straight line look at this which is probably more expensive than it will be), you will pay 3 x £50 spread over 3 years of you just let your insurer sort this.

(You could do more dummy quotes, pre dating the claim to previous years and see the overall cost over a 3 year period to help your decision)

AliceBanned

The reason I protect my NCD is I lost the first 4 years when I started driving, as I wasn't allowed to protect it - 3 years and 51 weeks into having my first car, it was stolen and trashed and all I got back was its value, which wasn't a lot. I lost the entire NCD. As you can imagine I was gutted.

So ever since then perhaps I've been protecting all my no claims unnecessary. Surely if I caused a major crash then I would lose all 7 years? Hopefully this wouldn't happen - are you saying i don't need to pay to protect NCD in future? It costs me about an extra £25 a year. Thanks.

AliceBanned

So what I'm saying is that despite being not at fault with my first car being trashed, I lost all my NCD..seemed totally unfair. The people who stole the car were even known from forensic testing on my car by the police, but the police couldn't catch them despite them doing it several times before. Maybe it would have been different if they were convicted and fined, I don't know.

lThe police virtually accused me of doing an insurance job several times, and completely changed their tune once the forensic tests identified someone they were after. They treated me as guilty until that point - shocking. I digress.

CKhalvashi

AliceBanned wrote: »

The police virtually accused me of doing an insurance job several times, and completely changed their tune once the forensic tests identified someone they were after. They treated me as guilty until that point - shocking. I digress.

I can understand you were gutted with this, but the police have taken the same stance with a friend whose house was burgled, then set on fire, that it was either her or her OH, as neither of them were in at 3am.

She works nights for a FTSE 100 company, and the police actually picked her up from work whilst another officer drove her car home, and he is a taxi driver, of which the electronic radios (we call them pods) proved he hit the M11 an hour before, and was on the M25 (near the M4) when the fire was allegedly started, and had been coming back when he was called about it.

Noone has been arrested, even though the burglary rate has been through the roof this year in that particular policing area. I'm not talking a small rise, I'm talking 12x rise, and about 6x national average.

CK

Quentin

AliceBanned wrote: »

So what I'm saying is that despite being not at fault with my first car being trashed, I lost all my NCD..seemed totally unfair. The people who stole the car were even known from forensic testing on my car by the police, but the police couldn't catch them despite them doing it several times before. Maybe it would have been different if they were convicted and fined, I don't know.

lThe police virtually accused me of doing an insurance job several times, and completely changed their tune once the forensic tests identified someone they were after. They treated me as guilty until that point - shocking. I digress.

In that case yours was a "fault" claim (fault meaning that your insurer was unable to get reimbursed off the third party)

(And normally you lose just 2 years after a claim, and none is awarded for the year when you claimed, so you should have still had one year at renewal)

Surely if I caused a major crash then I would lose all 7 years?

The severity/size of a claim is irrelevant to getting the benefit of protecting your NCD. Read upo in your policy how protected NCD works.

are you saying i don't need to pay to protect NCD in future?

No. I was pointing out that you have been paying extra to protect your NCD should you be involved in a fault claim, and now that you have been you are contemplating paying the costs when you have already paid out anyway.

Make sure it really is cost effective to do both!

AliceBanned

Oh maybe I wasn't very clear - I had moved towards contemplating not paying for the damage, but going via the insurer, and then being charged an extra £50 a year on my insurance instead, as I would rather not have a bill of £150 upwards at the mo.

AliceBanned

CKhalvashi wrote: »

I can understand you were gutted with this, but the police have taken the same stance with a friend whose house was burgled, then set on fire, that it was either her or her OH, as neither of them were in at 3am.

She works nights for a FTSE 100 company, and the police actually picked her up from work whilst another officer drove her car home, and he is a taxi driver, of which the electronic radios (we call them pods) proved he hit the M11 an hour before, and was on the M25 (near the M4) when the fire was allegedly started, and had been coming back when he was called about it.

Noone has been arrested, even though the burglary rate has been through the roof this year in that particular policing area. I'm not talking a small rise, I'm talking 12x rise, and about 6x national average.

CK

I think in these situations they do assume guilty until proven innocent; and all part of their investigations; maybe that's how they get the info they need. Just very difficult when you are a victim and not treated like one but have to prove it. I sort of understood it was procedure though..just couldn't believe I came across remotely guiltily, as I was crying my eyes out sitting on the pavement beside my completely smashed up car, which was undrivable, after they had got my hopes up by telling me where it was and then asking me to go and pick it up to drive it home!