Food & Drink1 min ago
insurance ncb
Hi all.
last September my sons car was hit in the rear at a roundabout, it is all repaired, the other driver admitted liability & was first to inform his insurance company etc,
however my sons insurance is up for renewal at the end of this month & the insurance company he is with will not insure him this year, but he is trying to find out if his ncb of 2 years is still OK, so after ringing the ins company they say that his accident & ncb is still pending investigation for the full 12 months of claim, so what can he do, as it will cost him more without it.
thanks in advance --i hope you get the gist of what i've written
last September my sons car was hit in the rear at a roundabout, it is all repaired, the other driver admitted liability & was first to inform his insurance company etc,
however my sons insurance is up for renewal at the end of this month & the insurance company he is with will not insure him this year, but he is trying to find out if his ncb of 2 years is still OK, so after ringing the ins company they say that his accident & ncb is still pending investigation for the full 12 months of claim, so what can he do, as it will cost him more without it.
thanks in advance --i hope you get the gist of what i've written
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The NCB stays in waht is called abeyance (poss spelt wrong!) until either liability is admitted, OR the outlay is recovered from the third party insurers.
We allow the NCB again as soon as liability is admitted, but some insurers will wait for the outlay to be reimbursed -there is no set way of doing this.
There is a possibility that the third party insurers have ongoing enquiries due to a number of reasons which has meant that they have since retracted their admission of liability (although I note the other driver admitted liability, that makes no real difference as it is us, the insurer, who actually makes this decision).
As for his insurer not reinsuring him, even a non-fault claim can affect the rating factor - statistics (apparently) show that if you are involved in a non-fault incident, then you are more likely to be at fault for the next one. However, it could simply be down to the fact that he has a claim logged against him and no NCB that deems him a poor risk - not good business practice though if that's the reason.
As suggested, it may be worth ringing his insurance and the other company to see what the issue is. The circumstances seem fairly clear cut, but like I say they could be an issue on the third party side - could have undisclosed convictions, claims, been drink driving, etc.
However, before anyone points this out, even the above wouldn't necessarily stop them admitting liability or reimbursing the outlay, although it would cause delays whilst investigations are underway
We allow the NCB again as soon as liability is admitted, but some insurers will wait for the outlay to be reimbursed -there is no set way of doing this.
There is a possibility that the third party insurers have ongoing enquiries due to a number of reasons which has meant that they have since retracted their admission of liability (although I note the other driver admitted liability, that makes no real difference as it is us, the insurer, who actually makes this decision).
As for his insurer not reinsuring him, even a non-fault claim can affect the rating factor - statistics (apparently) show that if you are involved in a non-fault incident, then you are more likely to be at fault for the next one. However, it could simply be down to the fact that he has a claim logged against him and no NCB that deems him a poor risk - not good business practice though if that's the reason.
As suggested, it may be worth ringing his insurance and the other company to see what the issue is. The circumstances seem fairly clear cut, but like I say they could be an issue on the third party side - could have undisclosed convictions, claims, been drink driving, etc.
However, before anyone points this out, even the above wouldn't necessarily stop them admitting liability or reimbursing the outlay, although it would cause delays whilst investigations are underway
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