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Author Topic: Insurance  (Read 5355 times)

Dentman

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Insurance
« on: January 31, 2020, 09:13:24 PM »

Do we still have an Insurance section to save troubling you good folks with such a dreary subject  ???
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Dentman

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Re: Insurance
« Reply #1 on: January 31, 2020, 09:45:15 PM »

I've not needed to trouble insurance people for some years now, but SWMBO has scraped a neighbours wing with the end of her bumper. 
This chap is having our insurance people repair the damage but, does she pay her excess since we aren't making a claim for ourselves  ???
Cheeky question , does she lose her NCB. Her question not mine though I think I know the answer  :shakeinghead
I don't know whether or not they all have the same "policy" as I said, I've not had dealings for many years ( Thank God!)
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Dentman

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Re: Insurance
« Reply #2 on: February 01, 2020, 01:44:48 PM »

So do we still have a designated Insurance issues area  ???
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MWAD7

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Re: Insurance
« Reply #3 on: February 01, 2020, 04:35:44 PM »

Can’t see one - so even if you found it and posted there, I doubt you’d get a reply.

And yes, if a claim is made against SWMBOs policy, she’ll likely have to pay her excess and lose her NCB (or part thereof depending on whether she has it protected, guaranteed (not necessarily the same thing) etc.)


If you want complicated - I’ve no clear idea where I would stand in such a situation as all of my vehicles have separate policies (all protected/guaranteed) but the specialist vehicles (two Caterham/Westfield kitcars and the LR) all build up their own NCBs....
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andyjb

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Re: Insurance
« Reply #4 on: February 01, 2020, 04:36:20 PM »

John
Just a thought if its not to bad Cant the neighbour get a quote from local garage/bodyshop of the cost. Then depending on the insurance excess and the loss of ncd it might be better just sorting that way rather than through insurance.
Andy
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g6anz

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Re: Insurance
« Reply #5 on: February 01, 2020, 08:26:49 PM »

I have had a couple of minor scrapes. not enough to dent the other cars panel just enough the remove the paint. In both cases I paid for the repair without involving the insurance company. This way I didn't loose my NCB and since the cost of the repair was only a bit more than my excess my premium didn't go up.


Malcolm
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Dentman

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Re: Insurance
« Reply #6 on: February 01, 2020, 09:48:32 PM »

That's very good advice g6anz, ( I've replied PM to Andy)
Unfortunately, SWMBO has offered insurance details and injured party has run with it  >:D
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hobson

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Re: Insurance
« Reply #7 on: February 02, 2020, 12:18:52 PM »

as I understand it, the excess if for the comprehensive on the insured vehicle  not the third party risk, kind regards
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w3526602

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Re: Insurance
« Reply #8 on: February 02, 2020, 03:39:50 PM »

Hi,

To be pedantic, if the neighbour makes a claim against Mrs Dentman, then both parties are required to inform their insurers.

If I was the neighbour, and I lost my NCD, I'd be looking to claim against Mrs Dentman for any increase to my premium. But then, I'm a MOG.

I suggest Mrs Dentman weighs up the cost of paying for the repairs, against the potential cost of losing her NCD. Similarly, the neighbour ... was his parking in anyway contribuitory to the prang?

I was Googling "Parking near dropped kerbs" earlier today. Not only are you not allowed to park across your own dropped kerb, you are not allowed to park within a specified distance of any dropped kerb. My senility means I can't remember what that distance is. One metre? Best check it out yourself.

602 .. who has a neighbour opposite who parks where it makes it difficult to reverse out of our drive.
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Wittsend

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Re: Insurance
« Reply #9 on: February 02, 2020, 04:24:43 PM »

The problem with little shunts like this and you offer to pay their garage bill is that they bump up the damage considerably - claiming for half a new car and full respray  :shakeinghead
... and neighbours are no different to anyone else - if they see the main chance they'll screw you for every penny.
Gone are the days of, "Here's £50 and can of aerosol paint."

Best left with the insurers and accept an increase in premium next time round.


 :RHD
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Dentman

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Re: Insurance
« Reply #10 on: February 02, 2020, 10:59:23 PM »

It looks like that's the way it's heading, the £600 excess and already high premium tempted me to consider the alternative to a formal claim.
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w3526602

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Re: Insurance
« Reply #11 on: February 03, 2020, 04:04:17 AM »

Hi,

Check your POLICY document ... there is "something" in my memory banks (such as they are) that at one time, maybe still, my NCD was not affected by the first claim.

Also check your policy to make sure that YOU are not liable for the first £1,000 of your neighbours claim against your insurers.

It may also concentrate the neighbour's mind, if it is pointed out that "formalising" his claim WILL go onto his insurance history. Insurers are becoming increasingly interested in "repeat claimers".

Barbara's incident with the tailgate on the M4 resulted in her paying the first £1000? of her own damage, plus losing at least some of her NCD.

LV fought her corner ... I'd be reluctant to not have LEGAL PROTECTION @ £10 per year, particularly if my opponent had such assistance, and I didn't.

Everything was repaid/re-instated when the HGV operator settled out of court ... two years later.

The problem of "settling out of court" to protect your NCD, if when you do lose your NCD the following week.

Is your SWMBO certain that she did the damage? Was there any previous damage to the car, particularly that panel?

602

Would it be viable to offer to buy your neighbours car? Probably not. I hope you have done an MOT check on the neighbours car? Are histories of Economic Write-offs available on-line?
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Dentman

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Re: Insurance
« Reply #12 on: February 03, 2020, 02:29:38 PM »

This is  :first stuff 602 thank you, very much food for thought  :stars
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w3526602

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Re: Insurance
« Reply #13 on: February 04, 2020, 04:28:18 AM »

Hi.

Whether you pay for neighbours damage matters not ... you are still supposed to inform your insurers. Of course, that is a crime of "Omission! until such time as you fill out a new proposal.

I regard £10 for Legal Cover, to be worth it  ... I don't want to stand in court and argue with the Claimants high power barrister (who is paid by by the claimant's Legal Cover insurers).

Agreeing to pay "the first" £nnn of any clasim can dramatically reduce your premium. 10%? More?

There have been recent TV ads offering protection from some sort of insurance overheads, but I haven't got round to working out exactly what they are trying to sell me.

602

It seems that drivers with waxed and twisted moustaches should pay higher premiums.
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Dentman

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Re: Insurance
« Reply #14 on: February 04, 2020, 08:34:20 AM »

So they should! I hope this matter hasn't kept you awake  ???
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