Why is my son's insurance company cutting his no-claims bonus after claiming for hail damage?

My son fell victim to the freak hailstones yesterday that caused much damage to the roof and bonnet of his car. Many of his friends came off even worse with cracked windscreens and light cluster damage. On phoning his insurance company he was advised that he will have to pay his £150 excess and also lose two years' no-claims bonus. This seems harsh. Do you have a view?

Asked on 9 January 2012 by CH, Chesterfield

Answered by Honest John

Unfortunately, that is how insurance is. You make a claim. You lose no claims discount. The alternative would be to leave everyone's NCDs intact and increase everyone's insurance premiums to pay for it. Nothing is for nothing.

Tags: insurance damage no claims claims

Similar questions

Can I claim for an increase to my insurance premium, as well as for direct damage?

I saw you mention to someone else that it may be possible to claim for future increases in premiums due to another driver's error. Its been my intention to keep all potentially insurable events a secret...

Neighbour scuffed my car and wants insurance involved - what's the best way to get the damage repaired?

The boyfriend of my neighbour's daughter damaged my car lightly. As all parties agreed it was minor damage, I said I'd get a quote and we'd get him to pay the repairer on the day, I had him booked in this...

Do I need to declare an insurance claim I withdrew?

I purchased a Saga Plus car insurance which runs out this month. In the first year of cover I hit a concrete bollard in a car park whilst distracted by another drivers actions. I instigated a claim with...