- Car Insurance – Am I going to lose my No Claims Bonus?
My wife has just had her car broken into, lost a whole bunch of Xmas shopping. Does anyone know if I make a claim on the car policy will it effect our No-Claims? 9yrs NCB……..I’d hate to lose it for the sake of a few hundred quid. I thought I would ask STW before I go speak to the insurance company……Posted 4 years agosidders34Member
If its not protected then it will step back 2 years, you wont lose all of it.
As above check the excess and also personal effects cover section of the policy. There will probably be a limit of £100 or so and your theft excess and any voluntary excess that may apply. You may find that the excess is more than your limit so you cannot claim.
Is there any damage to the car?
If is is just for the shopping it may be worth checking you home insurance contents policy and see id they cover personal effects away from home. Probably be a lower excess and less effect on premium at renewal.
ChrisPosted 4 years agowigglesMember
geoffj – Member
You’ll have to declare it whether you claim or not. Even IF you don’t lose your NCD, the price will increase at renewal time.
IMHO your better off claiming what you can because you’re going to end up out of pocket anyway
Or just remember it wasn’t broken into a stone just bounced up and smashed the window 😉
Then windscreen claim will cover window less xs no ncd loss or effect to future premium (usually).
Doesn’t help with the items thoughPosted 4 years agoBlazin-saddlesMember
If the goods value can be recovered by any other means then I’d do that 1st regardless or not of wether it affects your NCD (it will BTW). Then just claim for a broken window, which won’t affect your NCD. just a small excess.
I had a no fault claim, someone reversed into my van whilst it was parked and locked, causing £1800 worth of damage. I had the 3rd party details and my insurance claimed from them to get it fixed, I had protected NCD but I’m still fighting the insurance now, 2 years later. ALL of my premiums have been loaded since the “accident” including the car which I’m a named driver on, I reckon so far I’m about £850 out of pocket as I have to declare any claim in the last five years come renewal time.
Claiming on car insurance would be my last resort these days, I’d pay a fair sum out of my own pocket before thinking about claiming again it’s been such a hassle.Posted 4 years ago
The topic ‘Car Insurance – Am I going to lose my No Claims Bonus?’ is closed to new replies.