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should i use up my no claims bonus protect?

  • 06-03-2013 7:28am
    #1
    PrairieDawn
    Registered Users, Registered Users 2 Posts: 94 ✭✭


    Hi , looking for advice
    Had s minor tip with a car last week, no one hurt, dent in side of other car, my car fine.
    Cost to fix is 700 . I have no claims bonus protect and have been assured it won't make premium change if i claim, but the gender rule will.

    Some one I work with said I should just pay it as they will raise premiums to get it back over next few years.
    It seems silly paying insurance and then paying personally for what goes wrong.
    But ppl do it all the time.


    What would anyone here do?


Comments

  • #2
    Greenmachine
    Registered Users, Registered Users 2 Posts: 5,063 ✭✭✭Greenmachine


    Do you have step back or full claims protection?


  • #3
    theteal
    Registered Users, Registered Users 2 Posts: 7,593 ✭✭✭theteal


    if you change insurer in the next few years (which most people should do/at look look into doing every year), you will have to disclose that you made a claim and may feel the pinch then.


  • #4
    Marcusm
    Registered Users, Registered Users 2 Posts: 10,633 ✭✭✭✭Marcusm


    Your NCB protction is only good with your current insurer. Further, while they maintain your NCB, they can reassess your risk in the light of the claim such that the underlying pre discount premium is higher. What's the excess on your policy, i.e. how much is at risk?


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