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Thread: Claiming on insurance for scratch protected no claims advice

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    Default Claiming on insurance for scratch protected no claims advice

    Evening all. As per my previous posts regarding my car getting keyed. Well a local detailer tried to machine polish the scratch out but was unsuccessful. Some little scum bag scratched the entire near side. So I've took it to a couple of bodyshops and have had quotes around £500. I just can't afford to pay this out but am gutted about the car and really want to get it repired. I renewed my insurance last month and have since payed the extra £63 to protect my no claims (9 years) could I claim on my insurance for this and if I did what would be the Likley costs involved. I've not wanted to do this as i dont want my renewal for next year to be sky high for making a claim. Can anyone advise me please, thanks guys

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    Regular Member John Bishop's Avatar
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    You could try and claim on it but you know what insurance companies are like. Regardless whether you protect your bonus or not it will probably go up anyway. I remember a lorry chucked a stone up and broke my rear quarter window. Rang the insurer to enquire and they said as they could not claim the money back from anyone then mine would go up next time. Needless to say I paid it. Left them about 2 years after that though.

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    Regular Member lee gsi's Avatar
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    No claims 'discount' is a con.

    They work out the cost of the policy and then give the discount.

    If you have had a claim your quote will be higher and then they will give you your discount but on the higher quote.

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    I've never claimed on insurance before for anything since 1999 when I first started driving, so didn't know how it worked. Just dont know what to do, i can't pay £500 that's for sure. Can't have a smart repair as its too big of a scratch. I was thinking if I claimed on my insurance, ok I'd have a bigger premium to pay next year at renewal time, but not £500 more. Gutted, why can't anyone ever catch people who do this

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    Regular Member m8internet's Avatar
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    If you have protected NCB, then you may be able to claim
    You are normally permitted two claims before your NCB is affected

    The claims I have made prior to 2006 were all non-fault, so never had any issue
    On my current car I made a claim just a few days after ownership, after hitting a fox
    The insurer agreed to process it as a non-fault claim, as I was overtaking another vehicle when the fox appeared and taking avoiding action would have resulted in a further impact with a third party, but I was not able to claim the excess obviously
    You should be able to process the same for malicious damage, as the vehicle was parked and not being used at the time, agreeing to pay the excess

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    Quote Originally Posted by m8internet View Post
    If you have protected NCB, then you may be able to claim
    You are normally permitted two claims before your NCB is affected

    The claims I have made prior to 2006 were all non-fault, so never had any issue
    On my current car I made a claim just a few days after ownership, after hitting a fox
    The insurer agreed to process it as a non-fault claim, as I was overtaking another vehicle when the fox appeared and taking avoiding action would have resulted in a further impact with a third party, but I was not able to claim the excess obviously
    You should be able to process the same for malicious damage, as the vehicle was parked and not being used at the time, agreeing to pay the excess
    Yes you are correct, I've just checked and I'm allowed to claims I think in 12 month period. I stupidly forgot about the excess though (doh) and yes car was parked up as it usually is of an evening when it was done so no fault of mine. I'll have to look into the excess, I'm thinking if the excess is £300 and i claim, then. One renwal time I get a stupid quote of way more than I'm paying now I'd have been better just paying for the repair myself

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    Regular Member m8internet's Avatar
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    As above, I made two claims and there was no change in premium (albeit the silly renewal premium)
    It only becomes an issue when your NCB becomes affected, but that is due to the reduction of three claims in a 5 year period, this is due to the reduction in the discount from 70% to about 30%

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    Quote Originally Posted by m8internet View Post
    As above, I made two claims and there was no change in premium (albeit the silly renewal premium)
    It only becomes an issue when your NCB becomes affected, but that is due to the reduction of three claims in a 5 year period, this is due to the reduction in the discount from 70% to about 30%

    It's the silly renewal quote I'm bothered about. As we've just had our second baby my wifes pay would have stopped by then so just be me earning so need to avoid a big renewal price

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    they have protected the percentage discount mate, any claim made will raise the premium before discount. IE this years quote might be £1000 less 50% NCD = Premium paid £500. Next years might be new premum before discount £1300 less protected NCD 50% = Premium paid £650.

    One thing for sure with insurance companies, they take more in premiums than they pay out - and they have huge overheads.

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    Regular Member rjw's Avatar
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    I wouldnt claim, £300 excess, plus a year or two of higher quotes because you've made a claim, despite ncb being protected and thats well above your £500 repair.

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