https://www.coverbox.co.uk/about/making-a-claim-on-your-car-insuranceDoes a claim affect my car insurance?
There are many ways in which a claim could affect your car insurance premium.
A common misconception is that only “at-fault” accidents impact on the cost of your insurance.
In fact, any type of claim under your car insurance policy could affect the amount you pay at the next renewal of your policy. Insurance prices are based on a number of different factors, and one of the biggest potential discounts you can earn is from any No Claims Discount (NCD) you have earned.
Maximum No Claims Discount can be 50% - 75% discount depending on your insurer!
An “at-fault” claim indicates that your insurer wasn’t able to recover all the costs incurred settling your claim. It doesn’t always identify which party was responsible for the accident. If a claim is settled as “at-fault”, this can result in any No Claims Discount you have earned being reduced or removed from your insurance policy entirely. Unless you have chosen to protect it.
Likewise, a “non-fault” accident means that your insurer has been able to recover all of the costs incurred settling your claim. If a claim is settled as “non-fault”, your No Claims Discount will not be affected and will increase at the next renewal of your policy.
Pro Tip: Having a dashcam installed in your car, or buying black box insurance, where all your journeys are recorded, can help the insurer prove what happened in the event of an accident. If your insurer can prove you were not “at-fault” you are more likely to keep your No Claims Discount and avoid paying any excess.
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Тема: Погані дороги, наглі таксисти та інші біди чесних автомобілістів. (Прочитано 433181 раз)