Does 50 50 claim affect ncd?

catoutthebag

I will have 3 years ncd at next month's renewal. I couldn't protect it as I believe you need 3 or 5 plus years?

So there's been a claim where each party blames another so will end up a dispute

1) how are these looked into or does it go to 50 50?

2) hardly any damage bar a scuff/scratch on each car. I won't be claiming or repairing my vehicle. If they repair there's through my insurance which they have indicated ....does that mean my ncd goes to zero?

So frustrated because my premium will go up 50% and I just can't afford it as I pay in full and don't want to pay in installments.

I understand this probs won't be resolved in a month so do I still declare it on my renewal if there's not been an outcome decided?

Quentin

If you are involved in any claim where there is a split liability then the way it affects your NCD is just as if you were found 100% to blame.


Thus if you are in an incident that is concluded at 50/50 then even if you don't claim for your own car but the other side do then you lose your NCD if unprotected. (Normally 2 years is lost from whatever you had at the start of the year (from a max of 5 years) and none is awarded for the current year.


You do have to declare the incident/claim when applying for quotes

hcb42

Yes, if there is a claim you will lose NCB

Yes you need to mention if you take out insurance elsewhere (if you are renewing, they will know already....?)

catoutthebag

To add things to the mix, and I won't go into detail. .m

The other car is not a civilian vehicle. So a large company will probably insure a large fleet of these. ..

...does this description lend itself to basically the other party making a claim as part of their 'protocol'? Because in reality it won't affect their premium overall?

catoutthebag

hcb42 wrote: »

Yes, if there is a claim you will lose NCB

Yes you need to mention if you take out insurance elsewhere (if you are renewing, they will know already....?)

Yes but you often add details manually via comparison sites. ..so do I select an option that will princely say 'unresolved' or 'dispute' etc?

catoutthebag

Just feel angry and frustrated.

I've just bought a new place and have a mortgage to pay.

This will impact my monthly outgoings to detriment of other things for I guess a 2 or 3 years because I save to pay in full.

If I add a family member to my policy will my premium go down a chunk?

Quentin

catoutthebag wrote: »

Yes but you often add details manually via comparison sites. ..so do I select an option that will princely say 'unresolved' or 'dispute' etc?

You can say "open" claim, but irrespective you will not have any NCD to use at renewal if the claim has not been resolved 100% in your favour

Quentin

catoutthebag wrote: »

If I add a family member to my policy will my premium go down a chunk?

Worth trying


See the MSE guide to car insurance for all the tips to try to reduce your premium

forgotmyname

Adding a family member can sometimes reduce the premium, But make sure you keep a track if them if they receive any points or have incidents themselves. You will need to keep your insurer notified of these also.

Adding an accident prone younger sister to my claim free policy actually reduces it, But adding my mum or dad increases it.

Insuring a younger driver though adding my mum reduces the cost considerably where adding me onto it only reduces it slightly if at all.

catoutthebag

Thank you for your support during this difficult time.

I have some more questions please

1) how many years after would my premium remain high?

2) if I add a second driver and get points or claims does it effect them too? And vice versa?

3) is my ncd penalised twice? Because this happened this week so I have to declare it on next month's renewal (penalised) and I guess during this year's premium I will find out if they make a claim and if they do I'm penalised again because can't get a ncd that year (2015). So next time I can get a ncd is from 2016-2017?

InsideInsurance

catoutthebag wrote: »

Thank you for your support during this difficult time.

I have some more questions please

1) how many years after would my premium remain high?

2) if I add a second driver and get points or claims does it effect them too? And vice versa?

3) is my ncd penalised twice? Because this happened this week so I have to declare it on next month's renewal (penalised) and I guess during this year's premium I will find out if they make a claim and if they do I'm penalised again because can't get a ncd that year (2015). So next time I can get a ncd is from 2016-2017?

1) You have to declare claims/ incidents for 3-5 years, it varies by insurer but the impact decreases as it gets more distant

2) No, NDs are not directly impacted by the actions of the policyholder unless the PH is named on a separate policy that the ND has

3) If you currently have 2 years NCD and make a claim for a incident that happened during this policy year then your NCD at renewal will be 0. Assuming you have no more claims next year then the NCD will go up to 1 even though the prior claim was handled during that policy year, its the incident date the drives the policy/ NCD it impacts.