Advice please on making a car insurance claim

[Deleted User]

sue23 wrote: »

It was my pride & joy and I hate driving around it with the dent now.

We have protected NCB & it states with the first claim we don't loose our NCB, but whether it will still affect our future premiums, I'm not sure.
Does anyone know how it works please?

I have protected NCB and had a small collision at the end of last week. :mad:
How Admiral explained it to me was that as it was my fault it counts as a 'strike' of which you are allowed 2 in any 3 year period. What this means is that if I was at fault for another claim, I would still be ok, but a 3rd claim within 3 years WOULD affect my NCB. Might be different with different insurers - don't know I'm afraid.

AdrianC

sue23 wrote: »

It was my pride & joy and I hate driving around it with the dent now.

We have protected NCB & it states with the first claim we don't loose our NCB

But you will then lose it on subsequent claims.

but whether it will still affect our future premiums, I'm not sure.

It definitely will.

sue23

Thanks AdrianC. So even though I have protected NCB. Would you suggest its best not to make a claim then and pay it myself ?

AdrianC

sue23 wrote: »

Thanks AdrianC. So even though I have protected NCB. Would you suggest its best not to make a claim then and pay it myself ?

You need to work the numbers for yourself.

shaun_from_Africa

sue23 wrote: »

Thanks AdrianC. So even though I have protected NCB. Would you suggest its best not to make a claim then and pay it myself ?

Protected NCB simply means that the NCB doesn't drop, not that the premium doesn't rise.

This is just a rough example.
Given your previous driving history, the insurance underwriter calculates your premium at £250 per year.
You have 20% NCB with reduces the amount you have to pay to £200.

Following a claim, the underwriters will class you as more of a risk to them so your base premium rises to £350.
Because your no claims is protected, this stays at 20% but it is now 20% of £350 (£70), leaving you to pay £280.

forgotmyname

The next claim maybe out of your hands though. And looking at that damage its going to take a great story to convince them it was once incident and not two.

If you have done this in a short space of time, the chance of having more claims within the next 5 years is high.

arcon5

I'd claim. If your premium increases I doubt it will be more than £1600 over next X years!!
At £2k for repairs I'd be using the service I pay for

foxy-stoat

sue23 wrote: »

Thanks for your reply.
I have asked around in a few body repiar shops for quotes and they are all quoting atleast £2000 for replacing front door & repairing the other door.
I'm looking into paying it myself but £2000 seems a lot of money to fork out.Hence I was wondering if i took the route of going down the insurance claim it might work out cheaper.But from the advice i'm getting here,it sounds like paying it myself would be the economical thing to do.

Pay for it on credit card and do the 0% over 12 months, - £170 a month and it will be done in a year, you could buy a secondhand door on the ebay, the same colour for £150-£250, you may get one the same white, not sure how many shades they have. I am sure you can get this repaired for less than £2000 though.

or pay 2 x £200 in one hit and expect your premiums to rise for the next 2-3 years - if you dont have another incident or conviction in the next 5 years you will be back to where you started from.

If you paid for the repairs yourself you may take a lot more care when parking.

mcjordi

if you hit one side on the wall and the other on the bollard at the same time then it would just be 1 claim.. just explain circs to insurer.. personally on a year old car id claim.

George_Michael

mcjordi wrote: »

if you hit one side on the wall and the other on the bollard at the same time then it would just be 1 claim.. just explain circs to insurer.. personally on a year old car id claim.

But as that isn't what happened, shouldn't your quote actually state "just lie to insurer"

The OP has clearly stated that the dents and scrapes were the result of 2 separate incidents and to state otherwise to their insurers would be fraudulent, something that could well result in their policy being cancelled if the insurance company found out.