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+--- Thread: Slowly killing the lexus :( (/showthread.php?tid=7019)
Slowly killing the lexus :( - FirebirdPhil - 09-02-2019
Just stick a claim through, and get them to spray the door whilst its in the body shop. You loose your NCB anyway once they go and get their car repaired or written off.
Slowly killing the lexus :( - toxo - 09-02-2019
But if the Mondeo driver claims to get his car repaired then that's a claim against you, right? So regardless of whether the cost to repair your car is nil, the issue of repairing his still has to be covered, and as it's a claim against you you'll lose your NCB?
Slowly killing the lexus :( - Carpediem - 09-02-2019
Excess is £750 because im under 25,.not point really
Slowly killing the lexus :( - Carpediem - 09-02-2019
toxo But if the Mondeo driver claims to get his car repaired then that's a claim against you, right? So regardless of whether the cost to repair your car is nil, the issue of repairing his still has to be covered, and as it's a claim against you you'll lose your NCB?
quite possibly, not sure i may have protected them??
woman on the phone didnt indicate i would lose them if he claimed, only if i claimed, but who knows
Slowly killing the lexus :( - jimxms - 09-02-2019
If it makes you feel any better, my insurance renewal this year is actually CHEAPER with an accident on my file (£1500 repair) than without!!! This is with elephant insurance.
Go figure eh!
Slowly killing the lexus :( - Carpediem - 09-02-2019
lol well you never know, i may have to hunt around and just worry about stumping up a deposit,
The worst bit is i start my new job on monday and will be commuting by train so wont be doing more than 1k miles a year at best yet the insurance is going to be mahoosive
Slowly killing the lexus :( - jimxms - 09-02-2019
^ noticed ur age. Do you have any 'elder females' you can add to the policy.
Adding my mum knocks £600 off mine!
Or if I add my Mrs (who has a provisional license) it knocks off £300.
Dont know if I can legally add my mum as I don't live with her, but with all the troubles I had with my insurance co after my accident, it kinda makes me wanna say f*k it and do whatever I can (within reason) to keep it down.
Slowly killing the lexus :( - Carpediem - 09-02-2019
erm possibly, adding my misses to my insurance raised it though, shes same age but has 6 years NCB
Slowly killing the lexus :( - jimxms - 09-02-2019
I must have a really weird insurer. Everything I do that you'd assume would increase the premium...reduces it.
Adding learner drivers, having an accident, increasing mileage, increasing cost of car.
Slowly killing the lexus :( - Carpediem - 09-02-2019
hmm theres hope yet then :lol:
wish the bodyshop would ring me and give me a price, then i can set about getting the cash together and dates for fixing.
Ive got a hire car for the enxt two weeks from my new company to get to my training locations, so its gunna be parked up for a fortnight anyway