Churchill insurance / non fault claim / NCB

Diddums · 8 Nov 2016 at 10:49

I think you guys know what I'm going to ask from the title. One of my engineers' car was involved in a non fault accident this morning. Parked up in a car park, someone hit another car which then hit his. Bit of damage, numberplate holder broken, grille bent, nothing unrepairable.

Question is, will he lose his NCB for this?

Diddums · 8 Nov 2016 at 10:52

Ah bawsaq, this was meant to be in motors. MODS!

VincentHanna · 8 Nov 2016 at 10:53

If its guaranteed or protected, no.

Otherwise yes.

Also - there is a motors section.

Hitman_Leon · 8 Nov 2016 at 10:56

Diddums said:
Ah bawsaq, this was meant to be in motors. MODS!

Diddums · 8 Nov 2016 at 10:57

Cheers Leon

GhostWKD · 8 Nov 2016 at 11:01

VincentHanna said:
If its guaranteed or protected, no.

Otherwise yes.

Also - there is a motors section.

If it's not his fault he won't lose any NCB, but will have to declare a non fault claim when renewing insurance etc

Gaygle · 8 Nov 2016 at 11:05

Diddums said:
I think you guys know what I'm going to ask from the title. One of my engineers' car was involved in a non fault accident this morning. Parked up in a car park, someone hit another car which then hit his. Bit of damage, numberplate holder broken, grille bent, nothing unrepairable.

Question is, will he lose his NCB for this?

I'm guessing the at fault party stayed at the scene and provided his/her details?

If so - great, he won't lose his NCB
If not and there is no third party to claim against - he will lose part/all of his NCB depending on your insurers policies.

Diddums · 8 Nov 2016 at 11:23

Gaygle said:
I'm guessing the at fault party stayed at the scene and provided his/her details?

If so - great, he won't lose his NCB
If not and there is no third party to claim against - he will lose part/all of his NCB depending on your insurers policies.

Yep, the guy was honest and offered to resolve it properly.

I guess he's safe then, thanks all

VincentHanna · 8 Nov 2016 at 12:04

Sorry, didn't realise the guy who pranged him hung around.

I got back to my car recently to find a slight scrape on the front bumper. No details had been left

Obviously didn't bother claiming, damage wasn't severe enough.