NCB list of claims

kbell

Just want to get your opinion on this.
Earlier in the year,I reported an Incident to my insurance, a guy had reversed into me.
This is still being sorted out, no claim was made by me or the 3rd party to my policy.
I recieved my renewal for next year, and on my NCB under claims l,the incident is listed as a settled claim for the amount €0.
I rang broker and insurance company and they both said that they're obliged to list this even though there was no claim made.
Has anyone ever heard of this before?
Do I now have to inform any potential new insurance company's of this "claim" that never was, and will it result in higher premiums being offered?

TallGlass

kbell wrote: »

Just want to get your opinion on this.
Earlier in the year,I reported an Incident to my insurance, a guy had reversed into me.
This is still being sorted out, no claim was made by me or the 3rd party to my policy.
I recieved my renewal for next year, and on my NCB under claims l,the incident is listed as a settled claim for the amount €0.
I rang broker and insurance company and they both said that they're obliged to list this even though there was no claim made.
Has anyone ever heard of this before?
Do I now have to inform any potential new insurance company's of this "claim" that never was, and will it result in higher premiums being offered?

If he reversed into you, why is it a claim against your policy

Bet your bottom dollar the scam artist insurance companies will use this against you.

kbell

Exactly, there was NO claim made, by me or 3rd party.
I simply informed them, as is recommended by your policy,of the incident.
That's it, nothing more ever came of it.

To Elland Back

You have to declare Accidents, Claims and Convictions. You have had an accident, but not a claim.

BTW, if it is only damage to your car, why is it still outstanding? Is liability being disputed?

kbell

To Elland Back wrote: »

You have to declare Accidents, Claims and Convictions. You have had an accident, but not a claim.

BTW, if it is only damage to your car, why is it still outstanding? Is liability being disputed?

That's why I declared the incident.
Can't go into details on here, but Guy left the scene, gardai are investigating.

To Elland Back

kbell wrote: »

That's why I declared the incident.
Can't go into details on here, but Guy left the scene, gardai are investigating.

That's fine, just curious. Is it a possibility that you will want your insurer to put through an own damage claim if pursuing the 3rd party is unsuccessful?

kbell

No, damage was minor, hardly worth the excess.

pippip

What has your renewal come in at? up or down?

kbell

Up by nearly €400

Diamond Doll

kbell wrote: »

Up by nearly €400

I was shopping around for insurance a few days ago, I was told by one broker I phoned that premiums were gone up by around 40% for many customers this year! :eek:

Most quotes I got were substantially higher than last year, however I stuck with my current insurer (123.ie) and it wasn't much of an increase. No claims/accidents etc, by the way.

pippip

Mine went from 500 to 750 with 123.ie (TPFT) and everyone else were between 850 - 1200???? no claims or points. 33yrs, M, on 02 Audi A4.

kbell

Diamond Doll wrote: »

I was shopping around for insurance a few days ago, I was told by one broker I phoned that premiums were gone up by around 40% for many customers this year! :eek:

Most quotes I got were substantially higher than last year, however I stuck with my current insurer (123.ie) and it wasn't much of an increase. No claims/accidents etc, by the way.

I rang around and got quote for almost nearly what I was paying last year, so went with that.
I told them about the "claim" on the NCB and he said it was fine.
Suppose I'll know more when I send it in to them, hopefully they do record all calls
Just a bit pissed off that this has cropped up.

Special Circumstances

Had a similar situation, 123.ie / RSA were A1 to deal with. Opened a "claim", closed it, and sent a letter explicitly stating that this did not affect my NCB. Rather than leaving a customer in a vague limbo. All very common sense and pleasant to deal with.

Although i suppose there's nothing to stop insurance company Z from saying that as you once witnessed an accident you have become desensitised to accidents and are thus, ipso facto, a much higher category of risk.