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Driving foolishly fast into an icy corner last night my car inevitably didn't obey my steering wheel command and slid into the kerb and now I have squiffy front wheels. Due to the possibility of it being a complex job I'm going down the insurance route but fortunately paid to protect my NCD this year. So is it as simple as that - I pay my excess and still have my 6 years NCD afterwards are can they still screw me over somehow?
should be as you say. If you have another claim in the next x months (depending on policy) you will then lose your protection.
that's how I believe it works.
it might not be as bad as you think though - could just be a bent steering tie-rod or something. so potentially not that expensive to replace.
may not be a hugely complex job - have someone look at it first
As above. Plus will you still have to pay out your excess and for xyears insurance companies will still ask you 'have you had any accidents in the last 5yrs'? Im sure they factor in a higher premium on that.
i.e. You dont have to tell them (none of their business) if you havent made a claim IMO.
It all sounds rosey until you realise that no claims discount is only part of the equation. You premium will rise as a result of the accident, just not as much as it would have done if you didn't have protected NCD.
e.g. Full Annual Premium = £1000 after 60% NCD = £400
Full Annual Premium after a shunt = £1500 after 60% NCD = £600
Its not quite as black and white as this, but you get the idea.
Get a quote to fix before contacting the insurer.
The recovery guy was saying it'll need a lot of work to determine what actually bent, though. Thats the problem - its going to take a garage maybe a couple of hours to find the problem and can I then just walk away from them? I hate cars, feel so powerless (and poor) when they go wrong.
As geoffj says, your premium will (probably) still go up, but your ncd discount percentage will remain the same.
It's an increase, but a lot less than it could have been.
geoffs right. Even though I didnt claim on my insurance my premium still went up. I wouldnt have told the Jackals but I went through the other guys insurance company so I have to declare it 🙁
See what the garage says first. I had a driveshaft go on my car. Subaru wanted £900 to replace etc. I had the work done for a fraction (i.e wasnt bloody robbed).
But I'm totally lost when it comes to cars. At least if I pay my £250 excess I get a thorough job done. Right? 😕