Just had a prang how will it effect my NCB?

schnipps · 8 Jun 2008 at 16:24

Just had a bit off a prang in a car park, reversing out of a bay and swung round only to find someone pulling right out of a bay and I have went into the back quarter of his, his wasnt bas but mine needs new bumper and new light cluster, plus some back panel work (Leon Mk1).

Have to go through insurance as his was a company car, I have 5 years NCB but not protected. Any ideas what happens with NCB? Obviously i cant call them until tomorrow so just thought I would ask.

Thanks

Janesy B · 8 Jun 2008 at 16:25

you'll lose your 5 years NCB and you'll pay more for insurance next year. Shudda protected that NCB

Clarkey · 8 Jun 2008 at 16:28

rubbish, he will lose 2 or 3 years NCB depending on the insurer, probably 2.

chaparral · 8 Jun 2008 at 16:30

I would lose 2 years NCB with my insurer if i made a claim like this..

(this reminds me to get my NCB protected)

schnipps · 8 Jun 2008 at 16:39

Five years seems extreme to say the least, 2 sounds plausible. Even if its protected does it even matter as you still have ot put down a claim was made and that effects it anyway.

Ev0 · 8 Jun 2008 at 16:46

schnipps said:
Five years seems extreme to say the least, 2 sounds plausible. Even if its protected does it even matter as you still have ot put down a claim was made and that effects it anyway.

True, I always say NCB and having an accident are 2 different things that'll alter the price of a premium. NCB shouldn't be called that anymore, it's just an insurers 'discount' on a baseline price imho.

So in the case quoted, yes you're premium would go up as you're declaring an accident, but if you had the 5 years ncb instead of the 3 say it'd be a little cheaper as you'd be getting more discount.

I think that makes sense anyway :/

Janesy B · 8 Jun 2008 at 17:27

sorry, i didnt know it worked like that.

Ev0 · 8 Jun 2008 at 23:00

It's fickle that they still call it a no claims discount in the world of 'protected' and 'guaranteed' NCB, aw well.