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Author no claims
paul.mitchell1984
Member
Registered: 31st Aug 06
Location: Wakefield
User status: Offline
23rd May 07 at 08:31   View User's Profile U2U Member Reply With Quote
cuple of quick questions

1 i had a bump yesterday and havnt told insurance company yet as unsure if guy is paying outside of insurance, should i tell them any way?

2 if it wasnt my fault and my no claims arnt protected would i loose them?

cheers guys
Marc
Member
Registered: 11th Aug 02
Location: York
User status: Offline
23rd May 07 at 08:33   View User's Profile U2U Member Reply With Quote
1. Yes.

2. Regardless you've made a claim.
abdus
Member
Registered: 23rd Feb 06
User status: Offline
23rd May 07 at 08:34   View User's Profile U2U Member Reply With Quote
1. yes

2. if you claim for your car to get it repaired, then you lose your no claims
topshot_2k
Banned
Registered: 1st Dec 03
Location: Northampton Drives: Pug GTi-6
User status: Offline
23rd May 07 at 08:35   View User's Profile U2U Member Reply With Quote
if he claims of you you will lose them, if you claim of his insurance then you wont
paul.mitchell1984
Member
Registered: 31st Aug 06
Location: Wakefield
User status: Offline
23rd May 07 at 08:36   View User's Profile U2U Member Reply With Quote
hmm 2 against one i didnt think i would but unsure now.
abdus
Member
Registered: 23rd Feb 06
User status: Offline
23rd May 07 at 08:38   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by topshot_2k
if he claims of you you will lose them, if you claim of his insurance then you wont


no...I had the same problem, it was my fault, lady claimed through my insurance and I didn't lose anything because I didnt claim for mine (my car). Insurance just asked me teh details of what happened and told me that i had nothing to do and no need to contact the other party, they would sort it out..all done and no claims still here
abdus
Member
Registered: 23rd Feb 06
User status: Offline
23rd May 07 at 08:39   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by abdus
1. yes

2. if you claim for your car to get it repaired, then you lose your no claims


here, I meant through your own insurance
topshot_2k
Banned
Registered: 1st Dec 03
Location: Northampton Drives: Pug GTi-6
User status: Offline
23rd May 07 at 08:41   View User's Profile U2U Member Reply With Quote
doesnt matter who claims if you or him claim of YOUR insurance and the insurance company is left out of pocket you will lose your no claims.

Aslong as no-one claims of your insurance you wont lose anyhting, or you can chose to settle the paymane tupto a year after the insurance has paid out

Claim stands regardless off fault.
Marc
Member
Registered: 11th Aug 02
Location: York
User status: Offline
23rd May 07 at 08:43   View User's Profile U2U Member Reply With Quote
As Dipshit said.
topshot_2k
Banned
Registered: 1st Dec 03
Location: Northampton Drives: Pug GTi-6
User status: Offline
23rd May 07 at 08:43   View User's Profile U2U Member Reply With Quote
when someone hit my girlfriend we claimed of her insurer (adrian flux) then challenged the other party. We won and they re-embursed adrian flux and re-instated my gf's no claims.

this is why its sometimes benficial to pay slightly more insurance and get a decent company behind you.
p4uls corsa
Member
Registered: 2nd May 05
Location: BRADFORD
User status: Offline
23rd May 07 at 08:49   View User's Profile U2U Member Reply With Quote
if the accident wasn't your fault then you wont loose your no claims.

[Edited on 23-05-2007 by p4uls corsa]
abdus
Member
Registered: 23rd Feb 06
User status: Offline
23rd May 07 at 08:49   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by topshot_2k
doesnt matter who claims if you or him claim of YOUR insurance and the insurance company is left out of pocket you will lose your no claims.



so what is it with my insurance then? are they that stupid? good for me then...I didnt lose any no claims and the lady got her car repaired through my insurance and I was at fault...
topshot_2k
Banned
Registered: 1st Dec 03
Location: Northampton Drives: Pug GTi-6
User status: Offline
23rd May 07 at 09:52   View User's Profile U2U Member Reply With Quote
if you was at fault then you are lucky to have your NCB unless you have protected/guranteed no claims bonus?
paul.mitchell1984
Member
Registered: 31st Aug 06
Location: Wakefield
User status: Offline
23rd May 07 at 10:04   View User's Profile U2U Member Reply With Quote
well il give them a call and query the no claims before i mention i had an accident hehe
abdus
Member
Registered: 23rd Feb 06
User status: Offline
23rd May 07 at 10:16   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by topshot_2k
if you was at fault then you are lucky to have your NCB unless you have protected/guranteed no claims bonus?


no guaranteed NCB... yes, i guess I was lucky

quote:
Originally posted by paul.mitchell1984
well il give them a call and query the no claims before i mention i had an accident hehe


what did they say?
paul.mitchell1984
Member
Registered: 31st Aug 06
Location: Wakefield
User status: Offline
23rd May 07 at 10:42   View User's Profile U2U Member Reply With Quote
il do it later m at wrk and dont have the number with me...
abdus
Member
Registered: 23rd Feb 06
User status: Offline
23rd May 07 at 10:43   View User's Profile U2U Member Reply With Quote
oh, sorry i didn't see the 'il', I thought you gave them a call

 
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