Groups

    Car insurance question!!!

    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...

    29 Comments

    unless its protected no claims i would imagine youd lose it all?

    it goes back 2 years.. so if you have 4 years it will go back to 2 years ncb - you will lose everything

    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

    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

    ah women drivers . . . .

    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,

    also with the popped airbag the repair bills gonna be horrendous. i was quoted over 500quid for an airbag for a seat arosa gulp!!!

    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.

    aye will lose all ncb

    the curb is a static object though

    loool, women drivers hey!

    Original Poster

    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!!!!!!!!!!!!

    Abz;7221463

    bloodeyyyy women...............ok so private it is....damage is about a … 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:

    Original Poster

    hassony;7221476

    if its £1000 to repair it will be better to go through the insurance1 … if its £1000 to repair it will be better to go through the insurance1 year NCD won't make much difference to next year's insurance quoteand 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!

    muffin247;7221423

    loool, women drivers hey!



    and it wont be recorded as an accident.

    now , when us blokes do an accident, we chalk up some stats!

    will it shoot up by £1000 though?

    Original Poster

    hassony;7221555

    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!!!

    fair enough

    your fault really for letting your missus drive a BMW

    buy her a micra or something

    hassony;7221591

    fair enoughyour fault really for letting your missus drive a BMWbuy her a … fair enoughyour fault really for letting your missus drive a BMWbuy her a micra or something


    or a ka, cheap and cheerful

    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.

    Original Poster

    hassony;7221591

    fair enoughyour fault really for letting your missus drive a BMWbuy her a … fair enoughyour fault really for letting your missus drive a BMWbuy 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

    even if you fix it yourself wont you have to disclose it anyway to be insured next year? i think i read that somewhere...

    plumberman01;7221725

    even if you fix it yourself wont you have to disclose it anyway to be … 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

    Original Poster

    Captain Hook;7221898

    I think that's to do with non fault claims.. say if someone hits you and … 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

    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

    Abz;7221999

    exactly...i dont think you have to let the insurance company know if you … exactly...i dont think you have to let the insurance company know if you get the car repaired yourself



    technically you should declare it

    Abz;7221999

    exactly...i dont think you have to let the insurance company know if you … 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

    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.

    sell her car and use the money from that to repair yours.it might teach her to be more careful

    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.
    Post a comment
    Avatar
    @
      Text
      Top Discussions
      1. The HDUK home for Star Trek: Discovery89
      2. 75% off Sky TV for existing customers. Only works when you call the specifi…17876395
      3. So Brexit isn't going how a lot of Brexiters thought it would31126
      4. U.S. bombers fly off North Korea's coast in show of force2542

      See more discussions