RobsyUK

iTrader: (2)

I have 8yrs no claims on my private car and have a company car that I've found out I'm third party on.

At the weekend when I was massively ill I miss judged the wall and scraped all Down the side of the car. I call my company and it's all booked in to be fixed. £900 of damage that by the looks of things I don't need to pay.

Would this effect my private Ncb? Would I declare hitting my own wall on my own land at 7mph when renewing my private policy?

Moley

iTrader: (9)

If you're claiming on the company policy for damage you caused i assume you're fully comp, not third party?

If it is the company policy you are claiming on then if won't effect the NCB on your private policy, but you'd need to declare the claim, and it will probably increase your premium.

RobsyUK

iTrader: (2)

Thanks for the reply. turns out they are only 3rd party as they save money this way as apposed to fully comp.

They are just going to pay a pannel company to fix it. Guess I get to keep quiet?

fawor

iTrader: (3)

not really true
he pay for his policy
they pay for company policy-its increase company policy
cant increase twice

Moley

iTrader: (9)

If anyone has a claim they need to declare it, and some insurers will load for those claims.

bustaMOVEs

iTrader: (31)

If he has had a claim via company etc then they see him at risk via his private insurance, it stinks yes but hey these insurance company's love making extra money. But it's been sorted without insurance so win win.

Moley

iTrader: (9)

So you think that if someone has had 4-5 claims on a company policy, they shouldn't have to pay more on their own car than someone who has never had a claim?

bustaMOVEs

iTrader: (31)

eh read my post I'm on your side here, I said insurers see him as more risk if he has claimed on company policy and has told his private policy. so yes he should pay more

But seen as his company are paying for this themselfs without contacting insurers then it won't be flagged so non the wiser, although I see your point.

Moley

iTrader: (9)

Apologies, i thought the part about ''it stinks'' and the insurers ''love making more money'' ment you disagreed with it.

Although yes, you are correct, with a fault claim declared they would see him as a higher risk

bustaMOVEs

iTrader: (31)

I'm not a very good explainer lol but saying it stinks is more of a dig at insurers as people hate to part with their cash.(soz Gary) now get to bed, unless your not in tmr.

Moley

iTrader: (9)

Much needed day off tomorrow mate

bustaMOVEs

iTrader: (31)

Ah marvellous then let's carry on

Moley

iTrader: (9)

Lol, should ban myself from this section out of work hours!

bustaMOVEs

iTrader: (31)

But you can't resist as its in your blood now it's become life.

So anyways, have you still got the blob then or is it gone? Or are you being greedy and having both?

Moley

iTrader: (9)

Got both at the moment.
The plan was to keep the Classic and sell the Blob... but after actually driving the thing i fell back in love with it!
Keeping both for a while, then decide which to keep... probably the Blob TBH

bustaMOVEs

iTrader: (31)

Greedy get! The blobs just more refined I suppose, just use blob as daily and type r as a weekend/track toy and build it up, Seen as you can afford both

Moley

iTrader: (9)

I wish i could afford both!
Sorting some niggles with the Blob at the moment (well i will if the parts arrive), then want to get it back out on track, blow the cobwebs off!

bustaMOVEs

iTrader: (31)

Lol have fun, hope you make a good desicion,
Off to bed now nite nite

gazzawrx

iTrader: (11)

If its through the companies insurance then i wouldnt bother reporting it to your own insurance company as they're never gonna find out anyway. Car insurance is a fooking rip off anyway, if you dont fart in the right tone they try and load your premium for it.

**** helping them take even more money off ya to put towards their home improvements. Its not like youve hit anyone else is it, you damaged your own car on your own wall.

Keep it quiet, get the car repaired and say no more about it.

Moley

iTrader: (9)

I assume you are referring to the OP's situation, and not claims in company cars in general?

If he had made a claim on the companies policy insurers WOULD know about it

bustaMOVEs

iTrader: (31)

Most company's have access to a database that gives them details of any claims or convictions on your name no matter which insurance company you've been with company/private
Unless you have forged diffrent names

Moley

iTrader: (9)

The CUE database (claims underwriting exchange)

RobsyUK

iTrader: (2)

The repairs don't go through the insurance. I phoned lex autolease - car owners and said I hit a wall, I imagine the insurance rang me as they asked all accident related questions.
All drivers are third party as XEROX (my company who lease the cars) see it cheaper to pay repairs as and when as aposed to fully comp.
I imagine the repairs will show up on an internal database within lex to keep the cars history but will they say to the insurers, although it didn't go through the insurance, the following repairs have been done?

I guess the only way to know is for moley to do a check on me

Moley

iTrader: (9)

Assuming the insurers aren't paying for the repairs it shouldn't go on the database