Honesty! What a Clubbing Eddy concept

Shiny · Post by **Shiny** » Wed Dec 05, 2012 8:48 am

Ratty, you will need to notify your private car insurers (and notify it on any policy that you may be a named driver on) that you have had an accident in your van. This will not affect your Prelude NCB as you are not making a claim under the Prelude policy, so it is irrelevant that you have Protected NCB.

NCB forms one part of the rating of a policy and your driving history forms another, these are different things.

The claim affects your driving experience rating. To put it another way, if you got caught for dangerous driving in your van, you would need to disclose this when insuring the Prelude. The same goes for your accident/claim history.

As this will be going through insurance, it will also be recorded on the Claims Underwriting Exchange, so you don't want it to bite you in the arse at a later date by not disclosing it.

It may have a small bearing on your Prelude premium, not because of your NCB though, but because the physical and moral hazard of your risk profile has increased slightly due to being involved in an accident. As a very general rating, one accident tends to have a similar effect on a premium as one speeding offence, but this can vary depending on the Insurer.

When the claim is all sorted, you could always look to reimbursing your van insurers their outlay of costs to preserve your NCB on the van. But as is often the case, a £200 bit if damage soon turns into £10k+ claim by the time they have been driving a credit hire car for a month and have tried to put a personal injury claim for the 6 passengers that weren't even sat in the car the time. If you do reimburse the Insurers, you will still need to tell your car insurers that you have had a claim, but this will effectively be noted as "non-fault" as there was no outlay and your NCB was unaffected, so it will have less bearing on risk profile.

Post by **RattyMcClelland** » Wed Dec 05, 2012 12:39 pm

My vans policy is motor trade/public liability insurance so its set price for chipsaway despite ncb.
The thing is he didn't even give me a chance to explain how good I am and iv done his work colleges car and that was perfect.
Did I mention the cars a Turd anyway.

Shiny · Post by **Shiny** » Wed Dec 05, 2012 12:53 pm

You will still earn NCB on the chips away MT policy. I take that although part of the franchise deal, the policy is still issued in your name?

Post by **NafemanNathan** » Wed Dec 05, 2012 1:29 pm

RattyMcClelland wrote:The thing is he didn't even give me a chance to explain how good I am and iv done his work colleges car and that was perfect.
Did I mention the cars a Turd anyway.

It doesn't matter bud. If he doesn't know you to trust you then that's it sadly. He'd be naive to take your details expecting you to fix it to how it was in this day and age. Unfortunately there are too many con-artists out there that have ruined it for us honest folk

nitin_s1 · Post by **nitin_s1** » Wed Dec 05, 2012 2:22 pm

If you banged in to me by accident I would have kissed you and said "it's Ok honey"

Post by **RattyMcClelland** » Wed Dec 05, 2012 2:48 pm

The annoying thing is his insurance company direct line will get me to repair it.

I'm so annoyed. This hassle could have been avoided. This is the key area my business targets and priced just under £150 excess for a scuff like I caused.

Post by **NafemanNathan** » Wed Dec 05, 2012 2:54 pm

For your sake I kind of hope it is you that's sent out to repair it. At least then he'll realise what trouble and money could have been saved.

Shiny · Post by **Shiny** » Wed Dec 05, 2012 3:02 pm

If direct line are happy for you to repair it, tell them that you will do it for free and there will then be no need to make a claim against you/your policy. But watch out just in case he ends up in a credit hire car during the repairs and you end up with a ludicrous bill. Although this is unlikely if you are doing a mobile repair.

If the damage is less than his excess, he won't be able claim with direct line anyway.

May be worth ringing the chap and saying you are a repairer for direct line (he can ring direct line and check) and see if he then happy to deal direct with you to carry out the repairs.

Shiny · Post by **Shiny** » Wed Dec 05, 2012 4:13 pm

You pay the excess regardless of fault and then pursue a private claim for you excess as this is an uninsured loss.

Post by **rob quilter** » Wed Dec 05, 2012 5:14 pm

newkid wrote:
RattyMcClelland wrote:Did I mention the cars a Turd anyway.
Probably step on a few toes here but TBH im passed caring due to your whole attitude about it all as quite frankly it stinks.

His car may be a turd to you but it may also be all he can afford so he treats it with as much respect as you do with your type-s, I know I have friends that drive about in cars similar as thats all they can afford due to other commitments/insurance but spend money on there car as soon as it needs a part etc even tho from the outside the car doesnt look great.

Put it this way would you accept me or someone else scrapping your type-s and then saying I can sort that outwith insurance as thats my job. Fat chance you would and youd be straight on the phone wanting the insurance to sort it.

Wow.