Loss of no claims for being hit by debris on an Mway?

IamNotAllowedToUseMyName

Warwick_Hunt wrote: »

A glass claim probably would of but you didn’t make a glass claim you were a victim of theft.

It was a glass claim, they stole an empty Curry's bag used for my wellingtons!

Warwick_Hunt

IanMSpencer wrote: »

It was a glass claim, they stole an empty Curry's bag used for my wellingtons!

So theft then not a glass claim.

unholyangel

IanMSpencer wrote: »

It was a glass claim, they stole an empty Curry's bag used for my wellingtons!

Some folk really will go to extreme lengths to avoid paying 5p for a bag!

IamNotAllowedToUseMyName

Warwick_Hunt wrote: »

So theft then not a glass claim.

Well, as at the time I had not got protected no claims and I didn't lose by NCB as I didn't claim for the replacement of a plastic bag, I would suggest that the insurance company processed it as a glass claim (no excess in those days). But then what would I know, it was only my car, my repair, my insurance claim and my phone conversations.:rotfl:

The fact that they then treated my base premium as having had an attempted theft is another matter, the point being that just because you have a policy that does not affect your NCB, doesn't mean a claim will not affect your premium, which I believe to the general public is a fundamentally misleading aspect to the insurance market. Just because that is how the industry works, doesn't make it right.

Warwick_Hunt

IanMSpencer wrote: »

Well, as at the time I had not got protected no claims and I didn't lose by NCB as I didn't claim for the replacement of a plastic bag, I would suggest that the insurance company processed it as a glass claim (no excess in those days). But then what would I know, it was only my car, my repair, my insurance claim and my phone conversations.:rotfl:

The fact that they then treated my base premium as having had an attempted theft is another matter, the point being that just because you have a policy that does not affect your NCB, doesn't mean a claim will not affect your premium, which I believe to the general public is a fundamentally misleading aspect to the insurance market. Just because that is how the industry works, doesn't make it right.

No it's not but you're missing the point.

Hermione_Granger

IanMSpencer wrote: »

It was a glass claim, they stole an empty Curry's bag used for my wellingtons!

Even though it was a glass claim, someone breaking into your vehicle once could well mean that it may happen again.
Every crime reported gets logged to show the statistics for that area and this will be something that insurers use when calculating premiums.

IamNotAllowedToUseMyName

Hermione_Granger wrote: »

Even though it was a glass claim, someone breaking into your vehicle once could well mean that it may happen again.
Every crime reported gets logged to show the statistics for that area and this will be something that insurers use when calculating premiums.

I am aware of that, but I would suggest that the man on the Clapham Omnibus believes that protected no claims means that your premium will not alter as a result of a claim and that is not necessarily the case - and it is the individual not just as a reassessment of an area.

The logic is obvious, make a claim, you have demonstrated a likelihood to have a further incident, but I'd love to see anywhere on terms and conditions or information given at time of sale that explicitly state that a claim can increase your insurance renewal even when it is protected. Just a pet peeve of mine, which I think goes against consumer legislation.

Warwick_Hunt

IanMSpencer wrote: »

I am aware of that, but I would suggest that the man on the Clapham Omnibus believes that protected no claims means that your premium will not alter as a result of a claim and that is not necessarily the case - and it is the individual not just as a reassessment of an area.

The logic is obvious, make a claim, you have demonstrated a likelihood to have a further incident, but I'd love to see anywhere on terms and conditions or information given at time of sale that explicitly state that a claim can increase your insurance renewal even when it is protected. Just a pet peeve of mine, which I think goes against consumer legislation.

It's the no claims discount that's protected not the risk you pose.

rs65

IanMSpencer wrote: »

but I'd love to see anywhere on terms and conditions or information given at time of sale that explicitly state that a claim can increase your insurance renewal even when it is protected. Just a pet peeve of mine, which I think goes against consumer legislation.

First one I looked at was DirectLine

You will cease to be eligible for the benefit if claims exceed the above number. However your premium may still increase following a claim.

rs65

Aviva's approach

Protected no claim discount
Your premium won’t increase as a direct result of your claim when you renew, if you make one claim.