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    NCB query

    hi there

    wish to get some info, i had incident today with my car, it was my fault, although they was no damage to my car or opposite party,
    will my no claim bonus will go if claim is made?

    i have 3yrs non protected ncb as my insurer does not protect at 3yrs..
    i am with octagon insurance, could anyone tell me how many years of ncb will be taken?

    10 Comments

    Why would you make a claim if there is no damage to either party.

    You will lose a percentage of your NCD if you claim. Only your insurance can tell you how much.

    Your insurance will also go up because your premium before any NCD is applied, will also increase because you have had an accident.

    Banned

    I may be being a bit blonde but why would the other party claim on insurance if no damage was made?

    Well if you have admitted liability then you have no defence. Never admit liability under any circumstance regardless whos fault you think it was.

    If there was no damage then there should be no need for a claim anyway.

    I cannot comment on NCB as i do not protect mine, despite having 10 years. Other than expect your premium to go up next year if a claim is made.

    we always protect the NCD as it pays for itself if there is an incident.

    as others have stated, why would anyone put in a claim if there was no damage. don't do either of you any good to do that. are you or he stupid eh? oO

    Original Poster

    opposite party thinks there is damage to bumper.. first they said it was all ok, then thought bumper was bit damage, i have photos and video...

    i had informed my insurer as, dnt want to be at fault, and the fact it does affect my insurance if i dont notify them..

    this is first time this has happened so i didnt know what to do..

    tazubz

    opposite party thinks there is damage to bumper.. first they said it was … opposite party thinks there is damage to bumper.. first they said it was all ok, then thought bumper was bit damage, i have photos and video...i had informed my insurer as, dnt want to be at fault, and the fact it does affect my insurance if i dont notify them..this is first time this has happened so i didnt know what to do..



    you would have been better off paying for the bumper repair if it was actually damaged. most collision will cause a little bit of damage to the bumper. that way it gets kept out of the insurer's hands. i would suggest you protect your NCD though.

    tazubz

    opposite party thinks there is damage to bumper.. first they said it was … opposite party thinks there is damage to bumper.. first they said it was all ok, then thought bumper was bit damage, i have photos and video...i had informed my insurer as, dnt want to be at fault, and the fact it does affect my insurance if i dont notify them..this is first time this has happened so i didnt know what to do..

    Probably should have seeked advice first and then acted later then

    similar thing happened to my wife then a year later a letter came through for damage and personal injury.........

    Your documents will tell you how much ncb you will lose.

    did you take photos swap details check etc.........

    tazubz

    opposite party thinks there is damage to bumper.. first they said it was … opposite party thinks there is damage to bumper.. first they said it was all ok, then thought bumper was bit damage, i have photos and video...i had informed my insurer as, dnt want to be at fault, and the fact it does affect my insurance if i dont notify them..this is first time this has happened so i didnt know what to do..



    You did exactly the right thing !

    Original Poster

    Comment

    stiffnuts

    You did exactly the right thing !




    yes have taken pictures and video, my insurer has put the claim on "notification"
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