Broken car

[NotAllThere]

Was reversing into a loading bay, and didn't notice a metal pole sticking out of it, which went through my rear window.



OTOH, the guy working on the bay helped clear up the broken glass. And when I drove the car round to the volvo garage, they lent me a brand new V70 (for £30 a day, including petrol) until they can fix my car - which should be Tuesday.

All paid for by my insurance, of course. Which has a protected no-claims.

Now I've got the new one, I'm not sure I want the old one back...

[AtW]

One and only post for the day

All paid for by my insurance, of course. Which has a protected no-claims.

Bad move - even though your NCP will not change, you will have to tell insurance companies that you had this accident in the future for I think at least 3 years, do you think they'd give a monkey about 5 year NCB and give you the same price as if you had not had this accident? I doubt it - NCB in a way is a scam (much like most of insurance), so is its "protection", it's just a way to create another layer of complexity to take your money.

If I were you I'd fully pay up for this case and thereby not make any claim - it would cost you more in a long run otherwise.

[Bagpuss]

Protected no claims = you keep the discount only

So if you have an accident and say you had 5 years NCD, you get re-rated and get 5 years discount off that.

e.g. previous policy £600 - 50% NCD = £300
new policy with accident £800 - 50% NCD =£400

without NCD you only lose some of your NCD with an accident usually 2 years.

[NotAllThere]

Different country, different rules. Thankfully.

[Turion]

So you think you're so smug. No you're a mug! You should have paid the few hundred euro to fix it yourself.

PNC is just insurance on cost of insurance . A rip-off in other words. You still have to report the claim should you wish to change to a more competitive insurer in future. You're stuck with the same insurer now and they know it. They'll get their money back and some, over the next few years. . Oh, and living in another country doesn't change the rules.

PS: UK insurance cover windscreens front and rear with no effect on NCB.

[Diver]

Whs

[BoredBloke]

Car insurance in this country is a right con. About 18 months ago I had my car broken into when I went into Sainsburys. They nicked my laptop out of the boot (locked and out of sight). In the case was my laptop, the clients laptop, a never used Ipod Nano, my old 40gb Creative labs Mp3 player and a load of other stuff. The car insurance does not cover contents so had to claim on the house. Because some scrote picked my car out of a huge number of cars in the carpark I now have to pay extra simply because my car was in the wrong place at the wrong time. The premium went from 500 to 800 for something which was 100% not my fault.

[Turion]

Car insurance in this country is a right con. About 18 months ago I had my car broken into when I went into Sainsburys. They nicked my laptop out of the boot (locked and out of sight). In the case was my laptop, the clients laptop, a never used Ipod Nano, my old 40gb Creative labs Mp3 player and a load of other stuff. The car insurance does not cover contents so had to claim on the house. Because some scrote picked my car out of a huge number of cars in the carpark I now have to pay extra simply because my car was in the wrong place at the wrong time. The premium went from 500 to 800 for something which was 100% not my fault.

Sorry, some of the blame is indeed yours. Your car was not targeted at random.

http://www.acjltd.co.uk/main.asp?nid=25

[BrilloPad]

Sorry, some of the blame is indeed yours. Your car was not targeted at random.

http://www.acjltd.co.uk/main.asp?nid=25

Interesting article. The other day my phone said another phone had tried to send it a message.

Maybe I was about to be mugged. Or maybe it is the rise of the machines?

[DS23]

that is indeed useful info thanks turion

http://www.acjltd.co.uk/main.asp?nid=25

reminder to self - turn them off before they go in the boot.