A cyclist hit me!

kleapatra

thanks everyone. The culprit is a teenager who lives down the road - I'm not even sure which flat he lives in, I just know the general vicinity. Its a less than salubrious area so I'd be shocked if he had insurance let along any money to give me. Its really not the kind of area you'd go round knocking on doors to find someone - especially as a single female!
As I said I'm about to trade the car in so I can't go into any long winded insurance claim, plus lets face it, my insurance company would probably increase my premium again at the mere mention of an accident, my fault or otherwise!
I'll just have to put it down to bad luck and hope it won't impact my part-ex value too much

stryker

My premiums have gone down in the past couple of years so why should someone with protected NCD premium go up?

Isn't that why protected NCD is all about?

pvt

stryker wrote: »

My premiums have gone down in the past couple of years so why should someone with protected NCD premium go up?

Isn't that why protected NCD is all about?

No. Because NCD protection protects the NCD, the discount, not the actual premium.

So if you don't have NCD protection your insurer will say your gross premium is 20% higher because you have had an accident, and because you've had a claim your NCD has dropped from 50% to 20%. Whereas if you have a protected NCD the gross premium still goes up by 20%, but the NCD doesn't alter.

neilmcl

stryker wrote: »

My premiums have gone down in the past couple of years so why should someone with protected NCD premium go up?

Isn't that why protected NCD is all about?

:wall: I think I explained very clearly what NCD protection is all about in post #15.

stryker

neilmcl wrote: »

:wall: I think I explained very clearly what NCD protection is all about in post #15.

No you didn't :rotfl:

but PVT did!:T

Thanks PVT.