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A cyclist hit me!

2

Comments

  • stryker
    stryker Posts: 29 Forumite
    Couple of things that i note.
    1. Its the cyclists fault so he should pay, be it straight from his pocket or insurance which would be a long shot (Not likely to be a member of British cycling is he)
    2. Your protected NCD isnt protecting you if your premium went up following a previous accident.
    3. The cost to you to fix the damage to your car will be far greater than loss in a part x offer if you didn't get it fixed.
  • geri1965_2
    geri1965_2 Posts: 8,736 Forumite
    stryker wrote: »
    Couple of things that i note.
    1. Its the cyclists fault so he should pay, be it straight from his pocket or insurance which would be a long shot (Not likely to be a member of British cycling is he)

    He doesn't need to be! Two people have already explained that any household insurance is likely to cover him.
  • stryker
    stryker Posts: 29 Forumite
    geri1965 wrote: »
    He doesn't need to be! Two people have already explained that any household insurance is likely to cover him.

    OK!!
    Thats assuming everyone has household insurance.
  • neilmcl
    neilmcl Posts: 19,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    stryker wrote: »
    2. Your protected NCD isnt protecting you if your premium went up following a previous accident.
    The protected NCD does exactly that, protect your NCD. It doesn't and isn't supposed to protect and guarantee future premiums.
  • IamNotAllowedToUseMyName
    IamNotAllowedToUseMyName Posts: 1,536 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    neilmcl wrote: »
    The protected NCD does exactly that, protect your NCD. It doesn't and isn't supposed to protect and guarantee future premiums.
    Quite. I had a little rant about this a while ago. I think it is a con that people are paying extra to protect their no claims when they have no control over how their base premium is adjusted.
  • neilmcl
    neilmcl Posts: 19,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I don't agree it's a con at all. Premiums are based on risk plain and simple whereas NCD protection is simply a marketing technique aimed at increasing revenue for the insurer. There's no correlation between the two.
  • stryker
    stryker Posts: 29 Forumite
    neilmcl wrote: »
    The protected NCD does exactly that, protect your NCD. It doesn't and isn't supposed to protect and guarantee future premiums.

    OP. " my insurance went up loads for last years claim"
  • arcon5
    arcon5 Posts: 14,099 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    stryker wrote: »
    OP. " my insurance went up loads for last years claim"

    And if NCB wasn't protected i'd hate to see how much further her premium wouldn't gone
  • stugib
    stugib Posts: 2,601 Forumite
    1,000 Posts Combo Breaker
    stryker wrote: »
    OP. " my insurance went up loads for last years claim"
    And would've gone up even more had they lost 2 years of NCD.
  • missile
    missile Posts: 11,870 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You know who cyclist is you report it to your insurers and they will pursue him for the cost
    "A nation's greatness is measured by how it treats its weakest members." ~ Mahatma Gandhi
    Ride hard or stay home :iloveyou:
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