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Can you cancel a car insurance claim

  • 14-11-2017 8:08pm
    #1
    ninjas totems
    Registered Users, Registered Users 2 Posts: 2 ✭


    If I put the claim in to the insurance but then the guy who crashed into me offers to pay in cash can I cancel the claim and it not effect either of our no claims. Or any excess to be paid? Thanks


Comments

  • #2
    Sue Pa Key Pa
    Closed Accounts Posts: 2,060 ✭✭✭Sue Pa Key Pa


    You can cancel an own damage claim under your own policy and there would be no negative impact on you.

    You still need to disclose to future insurers that you had an accident where the other party was liable. This too should not affect anything


  • #3
    ninjas totems
    Registered Users, Registered Users 2 Posts: 2 ✭ninjas totems


    Sue Pa Key Pa wrote: »
    You can cancel an own damage claim under your own policy and there would be no negative impact on you.

    You still need to disclose to future insurers that you had an accident where the other party was liable. This too should not affect anything

    Thanks for the reply, would it effect the person at fault?


  • #4
    Del2005
    Registered Users, Registered Users 2 Posts: 19,102 ✭✭✭✭Del2005


    ninjas totems wrote: »
    Thanks for the reply, would it effect the person at fault?

    Yes. They will have to declare it when they renew. Once the insurance companies are involved it's on both your records. The fact that there was no payout means that the other person's NCD is intact, you can reimburse the insurance company to maintain NCD, but their premium may increase as they are a greater risk.


  • #5
    Sue Pa Key Pa
    Closed Accounts Posts: 2,060 ✭✭✭Sue Pa Key Pa


    ninjas totems wrote:
    Thanks for the reply, would it effect the person at fault?


    They have to declare an accident where they were liable to future Insurers. Their NCB will be intact, so most insurers will let it go as normal but some will consider it to be a higher risk.


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