Do multiple claims have an accumulative effect on no-claims?

EdwardTeach · 18 May 2016 at 09:41

Having driven for more than 10yrs without a single accident I had a couple of stupid incidents at the beginning of April within a few days of each other.

Firstly I clipped the security card reader at the exit of my local supermarket. It was really stupid, I was attempting enter the exit as we were advised that the entrance gate wasn't working. I got the angle wrong and bumped into the reader. I left my details with the supermarket, but I didn't hear from them for a while.

Secondly I scraped someone's car, parking in the library. I paid the lady's garage directly to avoid impacting my no claims. They have posted me a receipt, and I was £250 out of pocket.

My insurance company contacted me this week, to let me know that the supermarket have made a claim. They don't know how much it is yet. When they find out I will be given the option to pay up front again and avoid impacting my no claims.

Assuming that I do get my insurance to pay for the supermarket claim, would it be possible or worthwhile to claim for the second accident? £250 didn't seem worthwhile consuming for initially, but if I am losing my no closings anyway then maybe it would be a good idea to cousin for it now. I was wondering if multiple accidents will have an accumulative effect on the loss of no claims?

On Holiday · 18 May 2016 at 09:42

Secondly I scraped someone's car, parking in the library. I paid the lady's garage directly to avoid impacting my no claims. They have posted me a receipt, and I was £250 out of pocket.

Don't claim for that. If insurance haven't been notified at all then I'd leave that buried and done with.

Though I suppose it may be different in your case, age (I'm 22) etc.

In November I wrote off a £15000 car, renewals went from £800 to £2400 on my Impreza..
In December somebody drove into me and did my wing, wheel and front bumper in. I *notified* my insurance and then claimed off the 3rd parties insurance.. However I must inform insurers of that incident, despite not claiming, and that pushed my renewals to £3900 on the Impreza (hence the sale).

FWIW: You don't lose all your no claims bonus do you?
I had 4 prior to my write-off and now have 2 -- or is that an Admiral thing?

swinnie · 18 May 2016 at 09:51

Archeum said:
FWIW: You don't lose all your no claims bonus do you?
I had 4 prior to my write-off and now have 2 -- or is that an Admiral thing?

I don't think it's just an Admiral thing - I've seen that on a few of my/my families' policies.

Jamesyboyjim · 18 May 2016 at 10:05

EdwardTeach said:
Firstly I clipped the security card reader at the exit of my local supermarket. It was really stupid, I was attempting enter the exit as we were advised that the entrance gate wasn't working. I got the angle wrong and bumped into the reader. I left my details with the supermarket, but I didn't hear from them for a while.

Insanely honest of you!

anything to do with damaging a supermarket I don't expect many people would own up!

EdwardTeach · 18 May 2016 at 11:22

Jamesyboyjim said:
Insanely honest of you! anything to do with damaging a supermarket I don't expect many people would own up!

Not so much honesty as the fear that someone else would report it! Middle of the day with lots of witnesses. I am slightly surprised /annoyed that they are pursuing a claim though I thought that they might just take the hit (e excuse the pun), but it may be a term of their insurance.

Kuros · 18 May 2016 at 13:35

I don't think you'll be able to make a claim on the second one /after/ you've already paid out for it, to be honest.

skaif · 18 May 2016 at 13:52

Archeum said:
FWIW: You don't lose all your no claims bonus do you?
I had 4 prior to my write-off and now have 2 -- or is that an Admiral thing?

I have a question about this as I had a minor bump this year and lost 2 years similar to you (had 4)

Now when my renewal comes through, will I still be on 2 or will that go up to 3?

Had I not had an incident I would have been on 5. If I stay on 2 come renewal time then that means I have lost out on 3 years!

Have I got that right?

On Holiday · 18 May 2016 at 13:57

skaif said:
I have a question about this as I had a minor bump this year and lost 2 years similar to you (had 4)

Now when my renewal comes through, will I still be on 2 or will that go up to 3?

Had I not had an incident I would have been on 5. If I stay on 2 come renewal time then that means I have lost out on 3 years!

Have I got that right?

If they do the same as they did to me, you'll be on 2.

I was told effectively the year of the crash won't count, and you lose 2 off your existing.

tom_e · 18 May 2016 at 13:59

It's not just any loss of no claims but you'd then have to declare 2 claims which is obviously going to make a difference to any future quotes.

Leave the one they don't know about buried.

skaif · 18 May 2016 at 14:01

Archeum said:
If they do the same as they did to me, you'll be on 2.

I was told effectively the year of the crash won't count, and you lose 2 off your existing.

Balls

On Holiday · 18 May 2016 at 14:04

skaif said:
Balls

Indeed, though I was told by a few different insurers that the premiums will get lower once it's been more than 12 months since the last incident. Fingers crossed..