Increase in premium after minor scrape

RJO111

I managed to slightly scrape the back panel of a jag while parking the other day - no one in other car at the time. Owner reckons looking at £800 - £1,000 to have panel replaced. Currently have 9 years no claims with Direct Line (unprotected unfortunately). My question is does anyone have any idea what my premiums are likely to go up next year as a result. Thanks

DUTR

It may not go up, you may lose 2 years of your NCB.

Dr._Shoe

That would be my thinking too.

daveyjp

Either the scrpae isn't slight, or the owner is taking the micky. A new panel is generally not required for anything minor, knock it out, fill and respray. £2-300 and then you have the option to pay for it to be done and not lose any NCB.

Your NCB will go possibly from 9 to 3 years as anything after 5 years may not be counted when a claim is made. Your policy documents will state how NCB years drop.

InsideInsurance

DUTR wrote: »

It may not go up, you may lose 2 years of your NCB.

Your NCD will go down to 3 years though last time I knew people at DLG they only gave benefits for 1-5 years so the other 4 years you had werent helping you anyway.

DLG traditionally were one of the most forgiving for single fault accidents with many people reporting less than a 10% increase as long as they were otherwise a low risk. Due to your loss of NCD it's likely to be more than that for you though.

Easiest thing to do is to do 2 dummy quotes using made up details but very similar to yours, one with 9 years NCD and no claims then the other with 3 years NCD and a small value fault claim.

Of course insurers dont just ask about claims but incidents and so in theory you should declare it claimed for or not. The risk of not declaring it will be if the other party follows the rules and does tell his insurers and so it makes it into the CUE database etc that you were involved in an accident