Daft Car insurance question...
06 January 2006, 11:09 PM
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Daft Car insurance question...
If someone tries to break-in/steal your car by jimmying the lock, causing damage to the door, the lock, the handle, and the alarm, which result in you having to phone the lovely insurance people (theiving gets), obviously it is classed as a claim but....
does it count against your no-claims bonus etc?? I suspect it does but just wondered... some buggar has done this to my car tonight..
does it count against your no-claims bonus etc?? I suspect it does but just wondered... some buggar has done this to my car tonight..
06 January 2006, 11:10 PM
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It will probably be classed as a claim as your insurance company cannot claim from them. Ask them if they have uninsured loss protection.
Last edited by Scooby-Doo; 06 January 2006 at 11:12 PM.
06 January 2006, 11:20 PM
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Originally Posted by Scooby-Doo
It will probably be classed as a claim as your insurance company cannot claim from them. Ask them if they have uninsured loss protection.
06 January 2006, 11:43 PM
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Actually, in a similar vein to the original question - if all the above stuff happens and you only have TPF&T insurance, will you be covered as it's an attempted theft?
06 January 2006, 11:44 PM
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Take into account your excess and the resulting increase in premium due to dropping a few years NCB (assuming you had a lot of NCB) you may find a claim could be false economy.
How much ££ damage do you think has been done?
How much ££ damage do you think has been done?
06 January 2006, 11:49 PM
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Originally Posted by Jay m A
Take into account your excess and the resulting increase in premium due to dropping a few years NCB (assuming you had a lot of NCB) you may find a claim could be false economy.
How much ££ damage do you think has been done?
How much ££ damage do you think has been done?
I have never had anything like this b4 - they were taking a chance as it was outside my fiance's parents house, on a fairly well used country lane which they would have been blocking their car with. The alarm went off and they scarpered... so I suppose i got off lightly..little *******
07 January 2006, 01:31 PM
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Just got back from the garage...£700+ damage... fecking *******...
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07 January 2006, 02:43 PM
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Originally Posted by DarkForce
Actually, in a similar vein to the original question - if all the above stuff happens and you only have TPF&T insurance, will you be covered as it's an attempted theft?
Sorry
07 January 2006, 04:07 PM
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Sorry to hear it Ginge. However, to answer some questions.
There's a reason why the call it a no-claims bonus . It will count, but as someone else has said, if you calculate how much bonus you will lose this year and next and compare it with the cost of the damage it may not be worth claiming.
Next question
I've just had a look at my policy and under the fire & theft section it says "If your car is lost or damaged as a result of theft, attempted theft, fire, lightning or explosion..." and then goes on to say what they will do, so attempted theft is covered (at least it is with the Halifax).
does it count against your no-claims bonus
. It will count, but as someone else has said, if you calculate how much bonus you will lose this year and next and compare it with the cost of the damage it may not be worth claiming.Next question
if all the above stuff happens and you only have TPF&T insurance, will you be covered as it's an attempted theft
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