Claims History on No claims No bonus Cert

JamJam30 · 22-07-2013 2:28pm #1

Hi

I am with 123.ie and last year I had a small accident and I talked to 123.ie but at the end I decided not to use my insurance and fix teh car myself and they promised me on the phone that this will not be in my record however ı just received my no claim no bonus cert and I can see that this is recorded on my claims history

Date of Loss : 12/12/2012
Details Status MM - Accidental Damage to Insured's vehicle
Status: Settled
Amount Paid: €0.00

I am now changing my insurer but I am afraid this will effect my new isurer quote.

What should I do in this case ?

whomitconcerns · 22-07-2013 2:30pm

have you called a new insurer for a quote? And asked them will it affect it?

JamJam30 · 22-07-2013 2:33pm

Yes and I actually went ahead and I have a new insurer but they want my no claims no bonus proof within 7 days.

I just do not understand why would they put it in my claims history even though I did not claim it !

Any Suggestions ?

the_syco · 22-07-2013 2:49pm

JamJam30 wrote: »

I can see that this is recorded on my claims history

Date of Loss : 12/12/2012
Details Status MM - Accidental Damage to Insured's vehicle
Status: Settled
Amount Paid: €0.00

Ask 123 how no claim equals a claim? I'm thinking someone f**ked up, and never fixed it....?

MugMugs · 22-07-2013 2:51pm

If you report a claim then it's logged against you.

As it was a "No Claim" then it won't be considered as a claim by your new insurer as no claim was made.

Your NCB cert should have been enclosed with your renewal documentation. Check it again and you'll find it. Sign it and send it off to your new insurer.

kapa · 22-07-2013 2:53pm

Hi Jamjam. This is normal with all insurance companies. You are obliged to notify your insurer of any accidents when they happen and they just take a note of it. Your new insurance company will know this and will see that the claim was settled with a nil payment, ie it is just for notification purposes. It will not affect your no claim bonus or affect any future insurance company quoting.

JamJam30 · 22-07-2013 3:10pm

Thank you for you replies I really hope this will not effect my quote with the new insurer.

Here is a screenshot of my no claim no bonus cert.

MugMugs · 22-07-2013 3:16pm

JamJam30 wrote: »

Thank you for you replies I really hope this will not effect my quote with the new insurer.

Here is a screenshot of my no claim no bonus cert.

And you were expecting to have two years? If so then everything is fine.

JamJam30 · 22-07-2013 3:22pm

Yes two years, I live in Ireland since 2,5 years and my insurance started July 2011.

kapa · 22-07-2013 3:29pm

Thats perfect. It wont affect you at all

Claims History on No claims No bonus Cert

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