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Advice needed

  • 09-07-2020 12:31pm
    #1
    newmember2
    Registered Users, Registered Users 2 Posts: 2,599 ✭✭✭newmember2


    I was involved in a collision where I was at fault and the damage to the other side is about €1300 and to mine about €500. I could pay this out and that would be that and I'd be down near 2k. My second option is to go through the insurance company - I do have NCB full protection with an excess of €350, so to go that way I'd be down initially €350, but just wondering to what extent the claim would affect my renewal premium or any other offers of cover from other companies come renewal time.


Comments

  • #2
    Nola Unsightly Six-pack
    Posts: 4,186 ✭✭✭ Nola Unsightly Six-pack


    Most other companies won't quote if you have had a claim in the last 5 years so you will be stuck with your current insurer but that's what you paid extra for NCB protection for. I would claim


  • #3
    bazz26
    Registered Users, Registered Users 2 Posts: 51,293 ✭✭✭✭bazz26


    You will be stuck with your existing insurance company as no other company will take you on with an open claim.


  • #4
    newmember2
    Registered Users, Registered Users 2 Posts: 2,599 ✭✭✭newmember2


    bazz26 wrote: »
    You will be stuck with your existing insurance company as no other company will take you on with an open claim.

    If I go ahead with it, the claim will be settled and closed come renewal time in November I'm assuming.
    So going on what's been said, the current insurance company can come back with any number come renewal time and I'll have to suck it up regardless?


  • #5
    Zatoichi
    Registered Users, Registered Users 2 Posts: 535 ✭✭✭Zatoichi


    You know the other person and you know they won't make a personal injury claim later on?


  • #6
    Nola Unsightly Six-pack
    Posts: 4,186 ✭✭✭ Nola Unsightly Six-pack


    newmember? wrote: »
    If I go ahead with it, the claim will be settled and closed come renewal time in November I'm assuming.
    So going on what's been said, the current insurance company can come back with any number come renewal time and I'll have to suck it up regardless?


    Exactly. Any other insurance company you ring up will most likely refuse to quite you for the next 5 years


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  • #7
    newmember2
    Registered Users, Registered Users 2 Posts: 2,599 ✭✭✭newmember2


    I ended up ringing the Insurance company claims dept and had a good conversation with the guy there. Although he couldn't guarantee as to how much my premium would rise come renewal if I claimed, he was under the impression that it would not be as much as the cost of the claim. He was also telling me I had the option of using the insurance company as a financial facility - I could get the insurance company to handle the claim and then pay them back before renewal and the claim would then be struck off the record.
    In the end I elected to pay for the damage myself as the last thing I'd want come renewal time would be to be tied to just one quote.


  • #8
    Bobtheman
    Site Banned Posts: 2,799 ✭✭✭Bobtheman


    newmember? wrote: »
    I ended up ringing the Insurance company claims dept and had a good conversation with the guy there. Although he couldn't guarantee as to how much my premium would rise come renewal if I claimed, he was under the impression that it would not be as much as the cost of the claim. He was also telling me I had the option of using the insurance company as a financial facility - I could get the insurance company to handle the claim and then pay them back before renewal and the claim would then be struck off the record.
    In the end I elected to pay for the damage myself as the last thing I'd want come renewal time would be to be tied to just one quote.

    You really should be more careful and if you want to believe the Insurance company-then you are more foolish than i think.
    Most insurance companies wont take you if you try to switch within three years of a claim. But you being a know it all(going by other posts other threads) you probably knew that? Fool and his...


  • #9
    doctorchopper
    Registered Users, Registered Users 2 Posts: 886 ✭✭✭doctorchopper


    You may not lose your no claim bonus but they will load your premium come renewal time. Now they may do it even if you don't make a claim, the fact that you were involved in a accident means they can and probably will load policy. I was in a fault accident a few years back as a named driver and my own insurance was loaded even though i never claimed on my policy


  • #10
    newmember2
    Registered Users, Registered Users 2 Posts: 2,599 ✭✭✭newmember2


    Bobtheman wrote: »
    You really should be more careful and if you want to believe the Insurance company-then you are more foolish than i think.
    Most insurance companies wont take you if you try to switch within three years of a claim. But you being a know it all(going by other posts other threads) you probably knew that? Fool and his...


    ???


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