Bye bye 7 years no claims. - Corsa Sport - for Vauxhall and Opel Corsa B, Corsa C and Corsa D

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corsadonk

Premium Member

Registered: 4th Jul 09
Location: Marlborough, Wiltshire
User status: Offline

5th Dec 10 at 19:26

You've got me worried now, I've got 10 years, and she takes her test on the 21st

Carl

Member

Registered: 9th May 04
Location: Jimmy Bennett's la la land.
User status: Offline

5th Dec 10 at 20:10

He's taking it to an audi garage tomorrow so doubt it'll be cheap. Her excess is 400 mine is 250 so if it is way more than that we'll go through insurance and say I was driving at the time, not going to make a difference to him.

LeeM

Member

Registered: 26th Sep 05
Location: Liverpool
User status: Offline

5th Dec 10 at 20:13

im sure you dont pay the excess for a third party claim

Carl

Member

Registered: 9th May 04
Location: Jimmy Bennett's la la land.
User status: Offline

5th Dec 10 at 20:16

Serious? I assumed you did?

Jambo

Member

Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline

5th Dec 10 at 20:19

quote:
Originally posted by Tomnova16
Surely the damage isn't that bad if it was in a car park
but still. Should go to Lemass

Edited for P.R

LeeM

Member

Registered: 26th Sep 05
Location: Liverpool
User status: Offline

5th Dec 10 at 20:24

quote:
Originally posted by Carl
Serious? I assumed you did?

yeah, im sure you only pay the excess if its a claim for your own car. i could be wrong, i work in insurance but all non fault and ive always had the third party insurer pay the whole claim with no mention of excesses

Tomnova16

Premium Member

Registered: 21st Jan 06
Location: Gerrards Cross Drives: Porsche 911
User status: Offline

5th Dec 10 at 20:30

The person who's insurance is paying for the repairs pays the excess. Ie the person who's at fault pays the excess

oh and cheers jambo

http://www.lemass.co.uk/ for all your automotive/bodyshop needs
Located in Chalfont st Peter

Cole

Member

Registered: 11th Nov 02
Location: eastbourne Drives:zafira sold now a qashqai
User status: Offline

5th Dec 10 at 20:40

Well if he had of just driven off it would of not had to claim and wouldn't of got done for hit and run inhe did the same in tescos he would of been done I know as I've been done for it lol

John

Member

Registered: 30th Jun 03
User status: Offline

5th Dec 10 at 20:41

You've hit somebody's car and drove away?

Cole

Member

Registered: 11th Nov 02
Location: eastbourne Drives:zafira sold now a qashqai
User status: Offline

5th Dec 10 at 20:44

I did yeah 8yrs ago in tescos car park I got6 points and £180 fine

John

Member

Registered: 30th Jun 03
User status: Offline

5th Dec 10 at 20:46

Great guy.

LeeM

Member

Registered: 26th Sep 05
Location: Liverpool
User status: Offline

5th Dec 10 at 20:48

quote:
Originally posted by Tomnova16
The person who's insurance is paying for the repairs pays the excess. Ie the person who's at fault pays the excess

oh and cheers jambo

id check the policy, im 90% sure you dont pay the excess if its a third party claim and only when its a claim for your own vehicle.

Ian

Site Administrator

Registered: 28th Aug 99
Location: Liverpool
User status: Offline

5th Dec 10 at 20:57

That's why she's insured, she probably feels back enough anyway. At least you put her on so she's covered for most of it.

Graham88

Member

Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline

6th Dec 10 at 01:30

I didn't think you would lose your no claims as it's not you that's claiming? That's what my insurance said about my Dad having 9 years protected NCB and me being a named driver.

John

Member

Registered: 30th Jun 03
User status: Offline

6th Dec 10 at 07:44

Any insurance company I've dealt with it's the policy holder that loses it.

Steve

Premium Member

Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline

6th Dec 10 at 09:17

will only lose 2 or 3 year ncb anyway

Sam

Moderator
Premium Member

Registered: 24th Dec 99
Location: West Midlands
User status: Offline

6th Dec 10 at 09:20

Protected no claims doesn't cost that much more TBH. End of lesson.

Gareth F

Member

Registered: 16th Jan 08
Location: Location Location
User status: Offline

6th Dec 10 at 09:42

Mine was free, got them to match a quote online without ticking the extras and then when they adjusted my old policy i said oh and are all my extras still covered and he said yes whilst clicking away. Got the paperwork through and oh look £180 cheaper and all the extras added on aswell

John

Member

Registered: 30th Jun 03
User status: Offline

6th Dec 10 at 11:18

quote:
Originally posted by Sam
Protected no claims doesn't cost that much more TBH. End of lesson.

It can be, depends on other factors same as the rest of insurance.

Also with protected no claims, I'm thinking it's a bit of a con but I've not got around to testing the theory yet.

With protected no claims you could have had a crash but still have the no claims, non protected you've (probably) not crashed.

A2H GO

Member

Registered: 14th Sep 04
Location: Stoke
User status: Offline

6th Dec 10 at 12:20

quote:
Originally posted by John

quote:
Originally posted by Sam
Protected no claims doesn't cost that much more TBH. End of lesson.

It can be, depends on other factors same as the rest of insurance.

Also with protected no claims, I'm thinking it's a bit of a con but I've not got around to testing the theory yet.

With protected no claims you could have had a crash but still have the no claims, non protected you've (probably) not crashed.

John

Member

Registered: 30th Jun 03
User status: Offline

6th Dec 10 at 12:32

I get asked if my NCB is protected or not, suggesting they want to know for a reason.

If you have 7 years non protected no claims you haven't crashed for 7 years.

If you have 7 years protected no claims you could have crashed at some point in the 7 years.

My theory is that if you have non protected no claims the policy will be cheaper.

I've not tested this yet though.

Butler

Member

Registered: 2nd Jun 05
Location: London
User status: Offline

6th Dec 10 at 12:39

Your no claims certificate doesnt state whether it was protected or not though does it? Ive never actually had a physical certificate.

John

Member

Registered: 30th Jun 03
User status: Offline

6th Dec 10 at 12:42

I'd have to check but proably, it's just your renewal quote normally.

The only thing that made me think about it was an insurance company asking me on the phone.

Jambo

Member

Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline

6th Dec 10 at 12:53

Good point John but remember you will have had to declare your accidents for the last 5years or whatever

so they would already know??

John

Member

Registered: 30th Jun 03
User status: Offline

6th Dec 10 at 13:14

Some companies are 5, most are 3, so potentially you could have had a crash 3 years ago but still 7 years no claims.

I may be talking rubbish, they don't normally ask for no reason though.

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