No claims discount

cherryade44

Hello , I had a car accident recently to which i have admitted responsibility. The other party involved has made a claim for damage. I got my insurance renewal today and the price has increased nearly 50%.
I  have been on a comparison site to see if I can get a better price. When it says how many years NCD do I have what do I put. I did not make a claim on my car , does the claim against me count ? My current NCD is protected 
 Also when I said I had an accident and a claim was made against me, it asks what the amount came to for the repair, I have no idea what the cost was.
As my current insurer knows al the details I am tempted to auto renew, 
Can anyone advise please about the comparison site details  many thanks

mebu60

Your insurance renewal will tell you how much NCD you have, likely what you had last year if you've only had the one claim (a claim against you is indeed a claim) and your NCD is protected. 

If the amount field for the third party claim accepts non-numeric put 'N/K'. Otherwise I'd put £1 to show I had no idea. Your insurers may not even know if the TP's own insurers dealt with it on a reciprocal 'knock-for-knock' basis. Are you sure the question is not what were your repair costs? (i.e. nil).

cherryade44

@mebu60 thanks for replying, appreciated  On my renewal it says my NCD is 9+ years. I understand my NCD is protected with my current insurer but does this stand with a new insurer ? 
Regarding the accident  I have attached 2 pics from the comparison site .
Sorry if this is confusing, my brain is beginning to melt 

MyRealNameToo

cherryade44 said:

@mebu60 thanks for replying. On my renewal it says my NCD is 9+ years. I understand my NCD is protected with my current insurer but does this stand with a new insurer ? 
Regarding the accident  I have attached 2 pics from the comparison site .
Sorry if this is confusing, my brain is beginning to melt 

Just put however many years the renewal states you have, assuming the renewal was produced after you had already registered the claim. 

Your insurer will be able to tell you what their current estimate is, the form is slightly wrong as it should be Paid + Reserve rather than reserve alone on a non-settled claim. 

cherryade44

@MyRealNameToo thanks for the reply, appreciated 

mebu60

cherryade44 said:

@mebu60 thanks for replying, appreciated  On my renewal it says my NCD is 9+ years. I understand my NCD is protected with my current insurer but does this stand with a new insurer ? 

Yes, it does. 

cherryade44

mebu60 said:

cherryade44 said:

@mebu60 thanks for replying, appreciated  On my renewal it says my NCD is 9+ years. I understand my NCD is protected with my current insurer but does this stand with a new insurer ? 

Yes, it does. 

thanks for that

Aretnap

mebu60 said:

Your insurers may not even know if the TP's own insurers dealt with it on a reciprocal 'knock-for-knock' basis.

No car insurance claim had been dealt with on a "knock for knock" basis in the UK for over 30 years.

But no, his insurers may well not know if they haven't yet had the final bill from the third party and settled the claim, which may well take longer than it takes the OP's renewal to come up. In the meantime there are several ways to answer the question: 

(1) Ask your current insurer what their current estimate/reserve on the claim is (ie the amount they've set aside for accounting purposes)

(2) Enter a reasonable guess on the comparison site, then phone the insurers who give competitive quotes and explain that you don't know the exact value 

(3) Go direct to some insurers websites and answer the questions there - you will find that many of them don't ask how much the claim was for. The comparison site has to ask if one of the 20 insurers on its panel want to know, even if the other 19 don't give a toss.

In most cases you will likely find that the exact repair cost makes little or no difference to the quote - you just have to make sure that your not giving a false declaration to the rare insurer that does use it as a ratings factor.

MyRealNameToo

Aretnap said:

mebu60 said:

Your insurers may not even know if the TP's own insurers dealt with it on a reciprocal 'knock-for-knock' basis.

No car insurance claim had been dealt with on a "knock for knock" basis in the UK for over 30 years.

It formally ended in 1994, so over 30 years ago as you say, but many insurers had moved on from it may years prior to that.