BarryRiley Posted March 17, 2011 Share Posted March 17, 2011 Does anyone know if you still lose your car insurance no claims bonus if your excess covers the damage from a collision? For example, if you have an agreed excess of £250 and the repair costs £200 then do you still lose your no claims if it goes through the insurance, despite the fact that they've not paid anything? Thanks Link to comment Share on other sites More sharing options...
JFKvsNixon Posted March 17, 2011 Share Posted March 17, 2011 Does anyone know if you still lose your car insurance no claims bonus if your excess covers the damage from a collision? For example, if you have an agreed excess of £250 and the repair costs £200 then do you still lose your no claims if it goes through the insurance, despite the fact that they've not paid anything? Thanks Why would you want to claim through your insurance if it's going to cost you an extra £50? Link to comment Share on other sites More sharing options...
BarryRiley Posted March 17, 2011 Author Share Posted March 17, 2011 Well it was my fault you see, momentary lapse in concentration as my car slowly rolled into some poor woman's. Therefore if she decides to go through her insurance then will they not just automatically contact mine Link to comment Share on other sites More sharing options...
CMSMJ1 Posted March 17, 2011 Share Posted March 17, 2011 The excess is what you have to pay before the insurance people pay anything at all.... SO, don't let her claim against you..but knowing how the world works, she'll have whiplash, nightmares and 100% claims people beating a path to her door... Link to comment Share on other sites More sharing options...
swfcowls Posted March 17, 2011 Share Posted March 17, 2011 The policy excess is only towards your own damage. For example, if your repairs are £200.00 then you will have to pay for the repair yourself as it is below your £250.00 excess. In this instance you would not lose your NCB. However, if the other person makes a claim on your policy, regardless of cost, you will lose your NCB. Link to comment Share on other sites More sharing options...
BarryRiley Posted March 17, 2011 Author Share Posted March 17, 2011 Well she seemed pretty nice so hopefully the next time I see her won't be from my side of the dock staring blankly in to her oversized neck brace. Here's hoping she just gets a quote and accepts my cash and apologies Link to comment Share on other sites More sharing options...
BarryRiley Posted March 17, 2011 Author Share Posted March 17, 2011 The policy excess is only towards your own damage. For example, if your repairs are £200.00 then you will have to pay for the repair yourself as it is below your £250.00 excess. In this instance you would not lose your NCB. However, if the other person makes a claim on your policy, regardless of cost, you will lose your NCB. I won't be repairing my car any time soon. There's not enough damage on it, just a bit of paint and very minor damage to the bumper. The cost would only be for hers Link to comment Share on other sites More sharing options...
V.Rossi Posted March 17, 2011 Share Posted March 17, 2011 The excess is what you have to pay before the insurance people pay anything at all.... SO, don't let her claim against you..but knowing how the world works, she'll have whiplash, nightmares and 100% claims people beating a path to her door... She'll even get a free ipad out of it....How could she refuse Link to comment Share on other sites More sharing options...
BarryRiley Posted March 17, 2011 Author Share Posted March 17, 2011 She'll even get a free ipad out of it....How could she refuse ...I'm screwed Link to comment Share on other sites More sharing options...
V.Rossi Posted March 17, 2011 Share Posted March 17, 2011 Best thing to do now really is bury her body on the peaks, ok not very nice and may have to live with it for the rest of your life but at least your premiums wont go up 50% every year. Link to comment Share on other sites More sharing options...
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