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Cancelling a claim, losing my ncb

  • 02-06-2010 5:29pm
    #1
    hairyslug
    Registered Users, Registered Users 2 Posts: 2,596 ✭✭✭


    Does anyone know if its usual policy to get your ncb cancelled/lose any benefits if you start to make a claim but dont follow through with it

    The car was broken into last year, not much damage but I still rang up the insurace co. and let them know, I didnt however go through with the claim as it was all fixed for free when I got the car serviced

    Its time to renew and my ncb is now all but non existant


Comments

  • #2
    Atlantic Dawn
    Registered Users, Registered Users 2 Posts: 84,733 ✭✭✭✭Atlantic Dawn
    M


    Did they send you out a cheque and you didn't follow through or what stage did it get to?


  • #3
    thebiglad
    Registered Users, Registered Users 2 Posts: 1,672 ✭✭✭thebiglad


    hairyslug wrote: »
    Does anyone know if its usual policy to get your ncb cancelled/lose any benefits if you start to make a claim but dont follow through with it

    The car was broken into last year, not much damage but I still rang up the insurace co. and let them know, I didnt however go through with the claim as it was all fixed for free when I got the car serviced

    Its time to renew and my ncb is now all but non existant

    Phone them, has too be an error in their system.

    If you withdrew the claim with no payments having been made (including possibly the costs of a motor assessor sent by insurer to inspect the vehicle) then your NCB should be unaffected.

    If they say they are correct, find out why and post back here - there precise reason and we will advice you.


  • #4
    hairyslug
    Registered Users, Registered Users 2 Posts: 2,596 ✭✭✭hairyslug


    cheers, got no cheque and noone came to look, I was told to get a quote but by then I had it fixed for free, even paid for the broken window myself,
    will let you know how it goes


  • #5
    P.C.
    Registered Users, Registered Users 2 Posts: 2,782 ✭✭✭P.C.


    Best thing is to notify them in writing that you want the 'claim' cancelled/closed.

    Call them about a week after sending them the letter, and ask them to send you out a new 'proof on NCB'.

    This happened to me last year.
    My car was stolen - luckely I got it back after 6 weeks with no damage.
    A few month later when it came to renewel time my NCB was gone, even though I had notified them in writing to cancell/close the claim.

    I had to go to their offices to get it sorted, but did get my NCB back.


  • #6
    Otis Driftwood
    Closed Accounts Posts: 9,925 ✭✭✭Otis Driftwood


    Defo a glitch on their end.Unless a claim is followed through with,paid out on and closed it shouldnt effect your NCB.

    In fact,Im 99.9% sure even if there is an outstanding claim on your policy it shouldnt effect your NCB at renewal.

    Eg claim made in January 10 with a renewal in May 10,claim still outstanding at renewal date.NCB should still be in place as the claim is outstanding.


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