News4 mins ago
insurance claim
i just don't know if this has been answered, pls bear with me.
had my rover 600 p reg rear ended.the guy admitted his fault. got his details and had my insurance co contacted the other person but haven't given his insurance details yet.they had mentioned the �200 excess claim, which i am going to pay? how is this?
the guy admitted the fault but my insurance co has written me that my claim might affect my No Claims Discount. is this possible? how does this thing work? and if my car gets written off, they will have to deduct that �200 excess.i'm confused...
thanks a lot...
Answers
No best answer has yet been selected by rbumagat. Once a best answer has been selected, it will be shown here.
For more on marking an answer as the "Best Answer", please visit our FAQ.Once it all gets sorted out and everyone agrees that it's his fault, you'll get your �200 back if yuo've already paid it, and you won't lose your no claims bonus.
In the meantime, your insurance company is just warning you that until everything is done and dusted, you may lose them. I wouldn't worry about it.
Remember it's a no-claims discount, not a no-blame one.
If your car is written off your payment will be reduced by the �200, which you should claim back from the other party.
You will eventually get things sorted out with the other party's insurance, get your money back and your no-claims bonus may be restored but it will take time.
Put it down to the joys of motoring.