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Car accident and NCB

  • 12-02-2018 1:46pm
    #1
    LPC786
    Registered Users, Registered Users 2 Posts: 46 ✭


    I had an accident this morning. The road was frozen due to snow and car just didnt stop. Hitting the car in front caused some scratches on the rear bumper of that car while my cars headlight was broken.

    While it’s obvious they will make a claim .... do i loose my NCB? Do the insurance companies consider weather or road conditions?

    Regards

    MHAwan


Comments

  • #2
    beechwood55
    Registered Users, Registered Users 2 Posts: 532 ✭✭✭beechwood55


    Have you NCB protection on your policy? And no I don't imagine the insurance company will consider weather or road conditions.


  • #3
    LPC786
    Registered Users, Registered Users 2 Posts: 46 ✭LPC786


    No dont have NCB protection in my policy

    beechwood55 wrote: »
    Have you NCB protection on your policy? And no I don't imagine the insurance company will consider weather or road conditions.


  • #4
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,858 Mod ✭✭✭✭Henry Ford III


    LPC786 wrote: »
    I had an accident this morning. The road was frozen due to snow and car just didnt stop. Hitting the car in front caused some scratches on the rear bumper of that car while my cars headlight was broken.

    While it’s obvious they will make a claim .... do i loose my NCB? Do the insurance companies consider weather or road conditions?

    Regards

    MHAwan

    If your insurer pays out your ncb will be hit. The weather is no excuse unfortunately.

    Maybe look at covering any damage from your own sources?


  • #5
    LPC786
    Registered Users, Registered Users 2 Posts: 46 ✭LPC786


    Right thanks
    Henry Ford III wrote: »
    If your insurer pays out your ncb will be hit. The weather is no excuse unfortunately.

    Maybe look at covering any damage from your own sources?


  • #6
    vandriver
    Registered Users, Registered Users 2 Posts: 3,472 ✭✭✭vandriver


    ' Do the insurance companies consider weather or road conditions?'
    You should.


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  • #7
    famagusta
    Registered Users, Registered Users 2 Posts: 606 ✭✭✭famagusta


    vandriver wrote:
    ' Do the insurance companies consider weather or road conditions?' You should.


    Very helpful


  • #8
    vandriver
    Registered Users, Registered Users 2 Posts: 3,472 ✭✭✭vandriver


    famagusta wrote: »
    Very helpful
    It is.You don't just slide into the car in front if you have given proper consideration to your speed,the road conditions,the weather,what gear you are in .
    You can just slide into the car in front if you just drive normally,and then get a shock when the car doesn't behave like it does in August.


  • #9
    LPC786
    Registered Users, Registered Users 2 Posts: 46 ✭LPC786


    Thanks for you wonderful advice. I will be careful in future. Luckily for me the scratches to the other car were minor to negligible so the owner let me go. But i will definitely be careful now and follow what you have pointed out
    vandriver wrote: »
    It is.You don't just slide into the car in front if you have given proper consideration to your speed,the road conditions,the weather,what gear you are in .
    You can just slide into the car in front if you just drive normally,and then get a shock when the car doesn't behave like it does in August.


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