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My car vs a van - pics
- Thread starter alanc1000
- Start date
Deeg
ClioSport Club Member
None fault claim shouldn't effect NCB, should it?
Unfortunately the premium thing is unavoidable these days.
I imagine Alan is on protected NCB as well.
Christopher
ClioSport Club Member
Z4M
Agh, gutted dude.
Love the car though... you should post more pics of it.
BMW-approved repairer too? My Dad's 335 was done this way as BMW insisted.
Love the car though... you should post more pics of it.
BMW-approved repairer too? My Dad's 335 was done this way as BMW insisted.
Cheers everyone, BMW called up this morning and its already in the repair centre, i got the most disgusting courtesy car ever, one of those Mini estate things in champagne goldy green with roof rails. My fault though as i had requested a car with no decals and thats all they had!!
The bloke had a look and opened the bonnet and said at first glance no too serious and a straightforward fix, will take over a week though.
Regarding NCB, i have 13 years protected and hopefully it will go him at fault but no doubt it will affect me in some way, after all they always ask if there have been any claims in the last 5 years, they'll find a way to sting me i'm sure!
The bloke had a look and opened the bonnet and said at first glance no too serious and a straightforward fix, will take over a week though.
Regarding NCB, i have 13 years protected and hopefully it will go him at fault but no doubt it will affect me in some way, after all they always ask if there have been any claims in the last 5 years, they'll find a way to sting me i'm sure!
Rob
ClioSport Moderator
Alan, though I was not even in the car, my policy price has gone up 50%.... Just brilliant.
goddam hooligans, did you have protected NCB? I have just looked in my policy pack and it says that its fully protected and i still get a 30% discount year on year with 1 claim, but i still dont beleive them. Its with Allianz and TBH they were pretty good with the premium this year (£650) and my renewal quote with Esure at the time of renewal was £980 so if they put it up by 50% it will sort of level out. Not the point though i suppose!
I was well ashamed driving the car for the last 2 days, as the damage was on the front and people were looking at the crash marks as if to say "that knobs obviously a crap driver". Pffft.
Same here! The van driver tried to blame me though of course. All my fault he reversed into me. I ruined his day etc.
The insurance company have not asked me for any pics or anything yet, they just took a statement over the phone. I have these pics of the junction layout and glass on the road etc, anyone know if they will need these / should have these at all?
Rob
ClioSport Moderator
I don't have protected no claims no, but it wasn't my claim.
Due to the car being parked it was 100% not my fault so I had no excess to pay and my insurance just dealt with it all.
The FIFTY PERCENT increase came from "have you had any accidents in the last 5 years", to which I had to answer yes. What a load of rubbish.
Hope it comes out looking good as new mate.
Due to the car being parked it was 100% not my fault so I had no excess to pay and my insurance just dealt with it all.
The FIFTY PERCENT increase came from "have you had any accidents in the last 5 years", to which I had to answer yes. What a load of rubbish.
Hope it comes out looking good as new mate.
i was driving the wife's car when the lorry crashed into us, he admitted liability and my premium only went up £15, hope it all works out in your favour
No airbags went off it was like a 10mph shunt
thats definitely good to know! A third party called today to say they were arranging a courtesy car (even though BMW have given me one) and said "we've been asked to provide you with a courtesy car for your NON-FAULT claim by Allianz, so looks like my insurance company is on my side.
Deeg
ClioSport Club Member
How so?
It is a discount on your premium.
75% off £2,000 is better than 0% off £2,000.
Unless I'm mistaken, which one of the resident insurance bods will confirm?
Easiest way to check would be to do a quote with the exact same circumstances just adding NCB to one.
Evo 5 RS
It's not a waste but it's not bullet proof either. You still have to declare that you've been involved in an accident for example, so your premium will go up regardless of your NCB condom
Indeed dude, but you still get to take advantage of a massive discount on that increased premium. Without the protection, the premium goes up AND you get no discount on it.
But your paying extra to protect your no claims too. I'm only going off what my uncle told me to do (manager at admiral) and I've always had relatively cheap premiums. If I do have a crash then I'll be no better off if I had protected my NC than when I don't.
It may work out better for others if you do protect it but IMO its a con.
Your paying to protect a NO claims (which is a stupid concept in itself) so you get a discount next year if you don't have an accident yet every year you still have to give details of any accidents you have (regardless of fault) which bumps your premium up anyway.
Fact is Alan will now pay more next renewal for something that he wasn't to blame for regardless of wether he protected his NCB or not
It may work out better for others if you do protect it but IMO its a con.
Your paying to protect a NO claims (which is a stupid concept in itself) so you get a discount next year if you don't have an accident yet every year you still have to give details of any accidents you have (regardless of fault) which bumps your premium up anyway.
Fact is Alan will now pay more next renewal for something that he wasn't to blame for regardless of wether he protected his NCB or not
And a lack of protection would likely increase that premium tenfold further still (if it were to be settled 50/50 or worse). It's a no brainer for anyone driving expensive high-group cars.
Not necessarily. Alan is at a Give Way, as was the Van. Who has right of way is not in law, caution should have been exercised. This may mean it goes 50/50. I'm not saying that Alan was in the wrong, just have to look at it from a perspective that is unbias
Evo 5 RS
Having lost your no claims will have a MASSIVE impact on your premium unless you're blowing the right people lol. Especially if you're in your early to mid twenties. Depends on the car and insurance group but the difference from having say as little as 2 or 3 and having none can be thousands of pounds on some cars. Especially with 'specialists' like Flux who underwrite with Red Star, you'd be lucky to even get insured with no no-claims
All non fault claims, even when the third party has paid, that I have heard of there has been an increase at renewal.
That would depend on how much he would owe had he not had an accident.
I understand where your coming from but I think a lot of it is down to circumstance and it's up to the individual if they want to protect it or not but it COULD end up costing you more in the long run if you were to have many years driving claim free
I think you're misunderstanding.
You smash your expensive car. Current insurance is £1000
A) You renew. Price has gone up a bit because you had a bash. But you still have 7/8/9 years no claims.
B) You renew. Price has gone up a lot because you had a bash. But you have zero no claims to bring it down.
It's not expensive to protect it either.
I might try and see what my premium goes up to later if I get rid of my NCB. Just out of curiosity.
But saying that I lost my 1 year (not a lot I know) no claim in 2008 when I had an accident and that had no effect on my premium at all. 4 years on I still have to tell the insurance and it normally makes little to no difference to the quote when I leave it out
I think i paid about an extra £25 for protected, and with 13 years built up it would be silly not to.
There is a table in my policy booklet which shows no claim discount with NCD protection - with 1 claim i get 30% discount upon renewal. Which for me would be about £180. But obviously premiums go up anyway each year so at best it will be flat.
The van driver is saying that as he was reversing i pulled out and in to the back of him. As you can see from the level of damage and the distance i travelled over the line (about a foot), there would not be that amount of damage without him reversing pretty quickly, i was completely stationary when he hit me anyway!
I've sent all the pics over to the insurance company today.
There is a table in my policy booklet which shows no claim discount with NCD protection - with 1 claim i get 30% discount upon renewal. Which for me would be about £180. But obviously premiums go up anyway each year so at best it will be flat.
The van driver is saying that as he was reversing i pulled out and in to the back of him. As you can see from the level of damage and the distance i travelled over the line (about a foot), there would not be that amount of damage without him reversing pretty quickly, i was completely stationary when he hit me anyway!
I've sent all the pics over to the insurance company today.
A reversing vehicle doesn't have less right of way than one going forward. Just being realistic!
100% wrong there mate.
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