What cost difference does a non fault claim make?

AdrianC

Can you afford to own a car? How do you fund essential maintenance to keep it roadworthy?

dipsomaniac

how did i know that was coming. if i didn't own a car i wouldn't be able to do my job.  your arrogance is on a different level. this thread is not about me its about insurance.  stay on topic adrian

AdrianC

Yes, it is about insurance. One of the two most predictable expenses of running a car.

maxmycardagain

I have protected NCB and my premiums STILL go up even for non-fault/non-claim incidents as they rate me as a higher risk!

basically this leads to not reporting incidents where no 3rd party or property is involved, my son got hit twice and caught his bumper on a kerb requiring repair (which he then paid for cash) but in each case the premiums rose..

bunch of crooks really

AdrianC

maxmycardagain said:

I have protected NCB and my premiums STILL go up even for non-fault/non-claim incidents as they rate me as a higher risk!

basically this leads to not reporting incidents where no 3rd party or property is involved, my son got hit twice and caught his bumper on a kerb requiring repair (which he then paid for cash) but in each case the premiums rose..

bunch of crooks really

No, it's very simple.

People's cars get hit frequently if they tend to park in places where they're more likely to get hit.
If nobody owns up, this costs insurers money.
Insurers charge people more if they think they're likely to cost them money.

And that's before we consider people who drive into kerbs.