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insurance dilemma



  996 Carrera


My Cup is in the bodyshop at the moment having some damage repaired.

Ill need to claim on insurance at some point but Ive put it off because Im due to renew this month.

Anyway, today I got my renewal letter through and it has my no-claims bonus as it would be without a claim as well as the extra years no-claims, i.e. 3 years instead of 0 (I assume they take 2 years off for a claim, plus I wouldnt have another full year due to the claim itself).

So, do I:

1. get quotes for 3 years no-claims without declaring the claim?
2. get quotes for 3 years no-claims while declaring the claim?
3. play safe and get quotes without a no-claims bonusand declare the claim Im about to make?

Cheers for any advice,

G
 


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