August bank holiday and I'm 2 miles from home driving my wife's car (she was with me). I'm a named driver so fully insured. I had a careless moment and slid her car, on a wet road, into the back of a Porsche. Bumper damage apparent on both cars. W e made a claim and my wife will lose 2 years NCD. I rang my insurers (different company to the wife) to report my carelessness and they seemed confused (call centre in the UK). They told me to call again when my own policy is up for renewal (Augsut 2007!!).
I'm wondering should/must I? My wifes premium will go up I don't want mine to as well. Why should we be hit twice or will we?? What do you think?
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sad but true, you will be hit twice.......because you are deemed to be an increased risk, having 1, had the fault accident 2, claimed
my own tale of woe (shortened version)... was lorry hit my car when it was parked & denied responsibility...... for next 3 years my insurance loaded, wife's ins policy loaded (cos i drive it), my bike ins loaded & the classic car policy no doubt loaded (haven't checked).
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On the other hand - I had a similar fear following 2 claims for damage to hire cars i was using for work (one hit and run while vehicle parked outside my house, and one scrape when I hit a rock concealed by long grass)
I decided that honesty was the best policy and when I shopped around for new insurance I found cover cheaper than the previous year, even with 2 declared claims. The difference may be that I always shop around at renewal time, the renewal quote from my previous insurer was well up, even without telling them about the claims.
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Same here. Had a claim and as a result the insurance went up 50% due to drop in NCB. Shopped around and renewal quote was less than I'd paid before the claim.
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You'll lose NCB on your wifes policy, because you've made a claim, resulting in a net increase.
The NCB on your own policy will remain the same but the base premium will probably be loaded, because of your driving record, again resulting in a net increase.
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