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 Post subject: Insurance Question
PostPosted: Wed Jan 30, 2008 10:41 pm 
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FSI Poster
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Joined: Thu Apr 26, 2007 4:26 pm
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Location: Stockton-on-tees
Drives: Rev 4 MR2
As my car will be a write off :cry: I'm wondering what will happen to my no claims discount.

I see absolutley no way it can be deemed my fault, as the car was parked outside my house when it was hit, also the company the driver that hit me belonged too, had offered to repair it, so their admitting liabilty in that action.

I have one year NCB, and i'm 6 months into my current policy. I'll assume that my policy will end as soon as the no fault claim is dealt with, so does this mean that unless i insure another on it, i'll lose the previous 6 months driving experience?

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PostPosted: Wed Jan 30, 2008 10:44 pm 
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Joined: Sat Jun 03, 2006 11:48 am
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ask your insurer.. i guess your policy will continue but you wont get your NCB for this year


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PostPosted: Thu Jan 31, 2008 12:16 am 
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The Nude Numpty
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Joined: Thu Jan 25, 2007 9:46 pm
Posts: 1064
Location: Dorset
Depends I think, if someone makes a claim on your insurance, be it you or a third part you will lose your no claims. However if your not claiming on your policy, and the third party isnt claiming on your policy, your policy is claim free and continues as normal.

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PostPosted: Thu Jan 31, 2008 9:48 pm 
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Elite FSI Poster
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Location: West Sussex. Drives: Too many man sized cars!!
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As soon as your write-off is off the road (assuming its not already), freeze your policy and then switch it to your new car once you get one.


If you have to pay fees for that, have the party at fault pay. Put it forward to your insurance company that that is one of the things you want to claimed for (inconvinience cost)

If you have to take out a new policy and the case hasn't been resolved, you will have to pay up for cover without the benifit of a NCB.

But once the case has been sorted (assuming its in your favour) your then current insurers are obliged to refund you the difference had you your years NCB at the begining.......if that makes sense :)

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PostPosted: Thu Jan 31, 2008 10:37 pm 
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Donator? Ejaculator!
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Joined: Thu Mar 30, 2006 1:23 pm
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Location: Lincoln
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So in other words, your paying out your ass until somebody else pays up for their mistake :P


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PostPosted: Thu Jan 31, 2008 10:44 pm 
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Location: West Sussex. Drives: Too many man sized cars!!
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happypaul wrote:
So in other words, your paying out your ass until somebody else pays up for their mistake :P


Yup. Nearly 12 months on and for a relitively clear-cut case, im still out of pocket by over £4k.

Got a few more correspondence though today. So hopefully things will start rolling again :x

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From the moment I picked up your book until I laid it down, I was convulsed with laughter. Some day I intend reading it.


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PostPosted: Fri Feb 01, 2008 12:04 am 
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Location: Stockton-on-tees
Drives: Rev 4 MR2
Sounds like you're having a worse time than me, hope my claim doesn't go on as long as that.

Cheers for the advice, didn't know i could freeze my policy, but it is good news, otherwise i'd technically lose 6 months of driving experience, which is the last thing i want, as insurance costs enough as it is.

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PostPosted: Fri Feb 01, 2008 12:07 am 
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Donator? Ejaculator!
Donator? Ejaculator!

Joined: Thu Mar 30, 2006 1:23 pm
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Location: Lincoln
Drives: MK1 Focus Estate Ghia
I was doing some animation work (to show the accidents) for a guy I know, who sorts these things out in court, and a bus and a taxi and another car collided in london in 2003, it only got sorted out 2 month ago

He showed me the list of costs, from the costs of hiring a car to use while the car drivers was out of action, to my costs for the animations ;) and so on, cost 67,000 in the end :lol:

People should be glad they have a £600 policy


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PostPosted: Fri Feb 01, 2008 10:41 am 
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Location: West Sussex. Drives: Too many man sized cars!!
Drives: Sideways
Yer, cost that were covered on my policy have spirled out of control.

Hire car for 3 weeks was £2.5k (top whack Spanking new 2.0TDI Passat mind :P), Soliciters costs are up and around £10k and yet they've done fook all :x Lord know the figures if it finally gets to court :devil:
My car was valued better than I thought. £1580. Damage to my car btw was £10 shy of £10k :shock:




Hire car was funny though. My cover stated that in the event of an accident, my insurers had to provide a car of the same engine and body size, or better it 8-).
Got a call after id report the collision asking for permission to break the contract as only thing same of better than a 2.2 Accord in their fleet was a Mondy ST220. Being 18 at the time they said I couldn't be insured on the relivant lease policy :lol:

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Some people are like slinkies. Not really good for anything, but bring a smile to your face when pushed down the stairs!
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From the moment I picked up your book until I laid it down, I was convulsed with laughter. Some day I intend reading it.


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