DO I LOSE MY NO CLAIMS BONUS?
#1
DO I LOSE MY NO CLAIMS BONUS?
A women wrote of my scoob, admitted fault at the scene but now is disputing it. I've had my renewal through on a cheap run around I bought (a 01 Vectra 1.8) and it's £500 more than my 2002 WRX insurance was!!
Should I lose my NCB when the accident was not my fault?
Should I lose my NCB when the accident was not my fault?
#2
Scooby Regular
iTrader: (6)
Join Date: Apr 2006
Location: Stoke On Where?
Posts: 764
Likes: 0
Received 0 Likes
on
0 Posts
I think they will put your no claims on hold whilst the claim is sorted out. Unfortunatly you will have to pay more in the mean time, if its settled in your favour than you`ll get your no claims back.
#5
Scooby Regular
iTrader: (1)
Join Date: Apr 2006
Location: Near Cardiff, South Wales
Posts: 717
Likes: 0
Received 0 Likes
on
0 Posts
Dave.
#6
Scooby Regular
Join Date: Jan 2005
Location: Stoke on Trent
Posts: 436
Likes: 0
Received 0 Likes
on
0 Posts
100% correct, been through this myself. The only problem you may encounter is that the other party pays out but does not accept liability. It may be wise to stay put with the same insurance company for renewal as you could thenargue that the payout is technically an admision of guilt.
Dave.
Dave.
If the third party insurers pay out in full ,whether they accept liability or whether they deal with it on a without prejudice basis your no claims will be reinstated. Its simply a case of your insurer getting their money back in full and they will then reimburse you any money youve overpaid on your premium and they will reinstate your ncd.
If youve got any witnesses to this woman accepting liability at the scene i would suggest getting there details to your insurer asap.
What were the accident circs? I'll see if i can give you an idea of how this may play out if you like.
Gav.
#7
I deal with insurance claims for a living so for once i know what i'm talking about here .
If the third party insurers pay out in full ,whether they accept liability or whether they deal with it on a without prejudice basis your no claims will be reinstated. Its simply a case of your insurer getting their money back in full and they will then reimburse you any money youve overpaid on your premium and they will reinstate your ncd.
If youve got any witnesses to this woman accepting liability at the scene i would suggest getting there details to your insurer asap.
What were the accident circs? I'll see if i can give you an idea of how this may play out if you like.
Gav.
If the third party insurers pay out in full ,whether they accept liability or whether they deal with it on a without prejudice basis your no claims will be reinstated. Its simply a case of your insurer getting their money back in full and they will then reimburse you any money youve overpaid on your premium and they will reinstate your ncd.
If youve got any witnesses to this woman accepting liability at the scene i would suggest getting there details to your insurer asap.
What were the accident circs? I'll see if i can give you an idea of how this may play out if you like.
Gav.
Trending Topics
Thread
Thread Starter
Forum
Replies
Last Post
Wingnuttzz
Member's Gallery
30
26 April 2022 11:15 PM
Mattybr5@MB Developments
Full Cars Breaking For Spares
28
28 December 2015 11:07 PM
Mattybr5@MB Developments
Full Cars Breaking For Spares
12
18 November 2015 07:03 AM