UK motor insurance: does reporting an fluke where on earth neither side claims affect your No Claims Bonus?
I insure my car with Admiral insurance contained by the UK. Recently I was involved in a hugely minor accident, for which I do not intend to claim. It is not clear whether the other party will claim from their insurance or not. If I report the happenstance to my insurer, even if neither side actually puts in a claim pertaining to the coincidence, will this be considered as a claim for working out my No Claims Bonus next year?
Answers:
it would count against your protected no claim discount if you advise your insurer
if you do not have protected ncd
if your insurance company doesnt wage out an monies there is no claim so no loss of ncd
if they pay out and get better monies from other part's insurer if you had your ncd taken away it would be restored
It is a no claims discount so no claim no translation.
If you report it and come to renew before the other jamboree has sent you a no claim letter, after they may well remove your bonus until it's sorted. If you don't report it and the other party claims, next you're on your own, and may be penalised next renewal anyway. The small print says you must report any pull incident even if you don't expect to claim.
No it won't. If you make no claim, no effect on your bonus.
I had a similar situation a few months ago. Someone clipped my stern bumper, no major damage, and no injuries (thankfully). She be humming and hawing about whether she should put it through her insurance.
What I did was to straight away report the incident to my local garda station, simply to have the incident on record, and I phoned my insurance company the following afternoon. I didn't give my name, freshly made the specific enquiry - did I have to properly inform them of an incident in which I had no liability and no claim contained by. They told me I didn't, so I didn't officially inform them of anything!
The best thing other is to get any minor incident on record within your local police station - that way, you have some recourse if the other carnival decides to change their story - that happen once to a friend of mine, who ended up getting completely scr*wed by the other party.
Good luck.
If you and the other party make no claim on your Insurance, after you keep your No Claims. You don't even have to explain to your insurers about the accident, but if you do, lately tell them that it was knock for knock.
I guess it depends whether you enjoy protected NCB cover, and whether the other party claims or not in the back
Yes it does but to be honest why report it? If they do then answer the claim but do not preempt it.
If they are not protected I wouldn't bother. I enjoy 3 years and I have my 4 years to protect them in June. If I have the same situation as you there is no passageway I would tell my insurance company and lose 3 years.
You wont lose your no claims bonus per se but they ask almost any accidents you had contained by the last 3 years so it would undoubtibly effects you premiums
If nobody make a claim to your insurance, there is now drive for your no claims bonus to be affected. But if no one is making a claim surely at hand is not a reason to inform your insurance company. It is not dishonest, it is normal to with the sole purpose call your insurer that there is going to be a claim.
Related Questions:
Answers:
it would count against your protected no claim discount if you advise your insurer
if you do not have protected ncd
if your insurance company doesnt wage out an monies there is no claim so no loss of ncd
if they pay out and get better monies from other part's insurer if you had your ncd taken away it would be restored
It is a no claims discount so no claim no translation.
If you report it and come to renew before the other jamboree has sent you a no claim letter, after they may well remove your bonus until it's sorted. If you don't report it and the other party claims, next you're on your own, and may be penalised next renewal anyway. The small print says you must report any pull incident even if you don't expect to claim.
No it won't. If you make no claim, no effect on your bonus.
I had a similar situation a few months ago. Someone clipped my stern bumper, no major damage, and no injuries (thankfully). She be humming and hawing about whether she should put it through her insurance.
What I did was to straight away report the incident to my local garda station, simply to have the incident on record, and I phoned my insurance company the following afternoon. I didn't give my name, freshly made the specific enquiry - did I have to properly inform them of an incident in which I had no liability and no claim contained by. They told me I didn't, so I didn't officially inform them of anything!
The best thing other is to get any minor incident on record within your local police station - that way, you have some recourse if the other carnival decides to change their story - that happen once to a friend of mine, who ended up getting completely scr*wed by the other party.
Good luck.
If you and the other party make no claim on your Insurance, after you keep your No Claims. You don't even have to explain to your insurers about the accident, but if you do, lately tell them that it was knock for knock.
I guess it depends whether you enjoy protected NCB cover, and whether the other party claims or not in the back
Yes it does but to be honest why report it? If they do then answer the claim but do not preempt it.
If they are not protected I wouldn't bother. I enjoy 3 years and I have my 4 years to protect them in June. If I have the same situation as you there is no passageway I would tell my insurance company and lose 3 years.
You wont lose your no claims bonus per se but they ask almost any accidents you had contained by the last 3 years so it would undoubtibly effects you premiums
If nobody make a claim to your insurance, there is now drive for your no claims bonus to be affected. But if no one is making a claim surely at hand is not a reason to inform your insurance company. It is not dishonest, it is normal to with the sole purpose call your insurer that there is going to be a claim.
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