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123 claim or not, €2100?

  • 07-07-2019 1:30pm
    #1
    Deboradcm
    Registered Users Posts: 3 ✭


    Hi. I hit the back of another car this year and they contacted my insurance that paid them 2100 euros. I don't have any claims protection and my insurance last year costed 1200 (even with 6 years NCB). The questions is should I pay 123.ie back this money (they said my NCB wouldn't be affected if I pay this before my renewal date in september) or should I leave this and pay a higher premium next time?


Comments

  • #2
    biko
    Registered Users, Registered Users 2 Posts: 81,220 ✭✭✭✭biko


    It's up to you, because no-one knows what your premiums will be next time.


  • #3
    Eggs For Dinner
    Registered Users, Registered Users 2 Posts: 3,003 ✭✭✭Eggs For Dinner


    Wait until you get your renewal notice then decide


  • #4
    Marcusm
    Registered Users, Registered Users 2 Posts: 10,425 ✭✭✭✭Marcusm


    Deboradcm wrote: »
    Hi. I hit the back of another car this year and they contacted my insurance that paid them 2100 euros. I don't have any claims protection and my insurance last year costed 1200 (even with 6 years NCB). The questions is should I pay 123.ie back this money (they said my NCB wouldn't be affected if I pay this before my renewal date in september) or should I leave this and pay a higher premium next time?

    6 years seems to be the highest NCB with 123 which claims up to a 60% reduction for NCB. This would imply your undiscounted premium would be €3,000 but there’s no need for a guess as it should be stated on your renewal document from last year.


  • #5
    Deboradcm
    Registered Users Posts: 3 ✭Deboradcm


    Marcusm wrote: »
    6 years seems to be the highest NCB with 123 which claims up to a 60% reduction for NCB. This would imply your undiscounted premium would be €3,000 but there’s no need for a guess as it should be stated on your renewal document from last year.

    Hi. Thanks for your reply. I just checked and I got 1586 euros discount last year.


  • #6
    grogi
    Registered Users, Registered Users 2 Posts: 8,615 ✭✭✭grogi


    Deboradcm wrote: »
    Hi. I hit the back of another car this year and they contacted my insurance that paid them 2100 euros. I don't have any claims protection and my insurance last year costed 1200 (even with 6 years NCB). The questions is should I pay 123.ie back this money (they said my NCB wouldn't be affected if I pay this before my renewal date in september) or should I leave this and pay a higher premium next time?

    No protection? Not even step-back?

    As advised, I'd wait for renewal notice... First year it might not be beneficial to pay back, but remember that the claim and the reduction in NCB will be with you for around 5 years...

    And get full bonus protection next time.


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  • #7
    Deboradcm
    Registered Users Posts: 3 ✭Deboradcm


    grogi wrote: »
    No protection? Not even step-back?

    As advised, I'd wait for renewal notice... First year it might not be beneficial to pay back, but remember that the claim and the reduction in NCB will be with you for around 5 years...

    And get full bonus protection next time.

    I just checked and yes I have stepback protection


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