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Car insurance question!!!

Abz Avatar
6y, 11m agoPosted 6 years, 11 months ago
Afternoon All,

I am hoping some-one can help me out here!

On saturday my wife was driving my car and i dont know how but she went over a curb and damaged the car somewhat (Burst the rear tyre, damaged two wheels, passenger side airbag popped out).

Now my question is this if i was to go through insurance would i lose my no claims bonus. I know would lose my currents years but what about previous years...I have 1 years no claims and im currently half way through my 2nd.

Does anyone know?

I dont want to ring the insurance company and ask them, just incase i do or dont end making a claim and getting the car fixed privately...
Abz Avatar
6y, 11m agoPosted 6 years, 11 months ago
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Comments/page:
#1
unless its protected no claims i would imagine youd lose it all?
#2
it goes back 2 years.. so if you have 4 years it will go back to 2 years ncb - you will lose everything
#3
check how much it is to repair
it might not be worth it to go with through the insurance with excess and losing the NCD
#4
sometimes if you have quite a few you wont lose them all - you only have one. You will lose it. Cant protect one year no claims
#5
ah women drivers . . . .
#6
You also need to find out what you excess is as you will have to pay this out first anyway, Must have been a hell of a bump to set the airbag off,
#7
also with the popped airbag the repair bills gonna be horrendous. i was quoted over 500quid for an airbag for a seat arosa gulp!!!
#8
You lose two years for every claim so in your case you would go back to zero, it may well be cheaper to get the repairs done privately.
#9
aye will lose all ncb

the curb is a static object though
#10
loool, women drivers hey!
#11
bloodeyyyy women...............ok so private it is....damage is about a 1000 to repair...

my exces was 100 compulsary and 250 voluntary...i dont want to lose my no claims on my policy....

on a different note...can you believe my wife was upset cause my initial reaction was to worry about repair of the car rather then her well being...i mean come on its a bloody curb how can she not see that!!!!!!!!!!!!
#12
Abz
bloodeyyyy women...............ok so private it is....damage is about a 1000 to repair...

my exces was 100 compulsary and 250 voluntary...i dont want to lose my no claims on my policy....

on a different note...can you believe my wife was upset cause my initial reaction was to worry about repair of the car rather then her well being...i mean come on its a bloody curb how can she not see that!!!!!!!!!!!!


if its £1000 to repair it will be better to go through the insurance

1 year NCD won't make much difference to next year's insurance quote

and are you sure it's not you and you only blaiming it on your wife?:whistling:
#13
hassony
if its £1000 to repair it will be better to go through the insurance

1 year NCD won't make much difference to next year's insurance quote

and are you sure it's not you and you only blaiming it on your wife?:whistling:


1 years no claims was a big different to be honest...and also once you make claim and you start getting quotes with that on your record....premium shoots up!

It definately wasnt me!
#14
muffin247
loool, women drivers hey!


and it wont be recorded as an accident.

now , when us blokes do an accident, we chalk up some stats!
#15
will it shoot up by £1000 though?
#16
hassony
will it shoot up by £1000 though?


well lets put it this way....£350 excess i'll have pay straight up...and then trying to get insurance on a bmw with 0 no claims and a claim to my name...will be a very high insurance situation!!!
#17
fair enough

your fault really for letting your missus drive a BMW

buy her a micra or something
#18
hassony;7221591
fair enough

your fault really for letting your missus drive a BMW

buy her a micra or something

or a ka, cheap and cheerful
#19
maybe try the likes of moneysupermarket for a price on what the insurance would be if you put the claim in and again with 2 years NCB which you would have at renewel.
#20
hassony
fair enough

your fault really for letting your missus drive a BMW

buy her a micra or something


you know what the worse thing is...we where on our way back from buying her a car...just bought her a mini....so i said its best you drive my car back and ill drive the new car back...........oh well lesson learnt
#21
even if you fix it yourself wont you have to disclose it anyway to be insured next year? i think i read that somewhere...
#22
plumberman01
even if you fix it yourself wont you have to disclose it anyway to be insured next year? i think i read that somewhere...


I think that's to do with non fault claims.. say if someone hits you and then they pay for everything or the other insurers pay without involving your insurance company.. who's to know if you get it all fixed up yourself? forget about the £1000 but say if it was only £5 for a dab of paint - you wouldn't put that down as an accident
#23
Captain Hook
I think that's to do with non fault claims.. say if someone hits you and then they pay for everything or the other insurers pay without involving your insurance company.. who's to know if you get it all fixed up yourself? forget about the £1000 but say if it was only £5 for a dab of paint - you wouldn't put that down as an accident


exactly...i dont think you have to let the insurance company know if you get the car repaired yourself
#24
she must have been going some to do all that damage from just a kerb :thinking:

the wheels and tyres not a problem but are you thinking of doing the airbag yourself ?
banned#25
Abz
exactly...i dont think you have to let the insurance company know if you get the car repaired yourself


technically you should declare it
#26
Abz
exactly...i dont think you have to let the insurance company know if you get the car repaired yourself


Yes technically you do, as its declaring a risk, it would make your premiums more expensive too. It is in all policies that you must declare any incident that may have resulted in a claim. Most people dont bother though. :)
banned#27
sounds like an expensive claim anyway so doubt you'd want to pay for it yourself unless your insurance premium is £1000+

Actually, you may not even be able to claim as some insurance policies restrict named drivers to third party, fire & theft only.
#28
sell her car and use the money from that to repair yours.it might teach her to be more careful
#29
The only problem i see with not telling the insurance company is if you was to have another claim on the car, they would be able to tell you have had previous work done, and it could make them not pay out.. you know what insurance companies are like, they will get out of paying if they can.

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