Nudged someones car in tesco car park - now they're claiming they were injured !!!

[Platypus]

No, because any claims under £500 should be settled without making an insurance claim because it will cost you more than that in next 5 years of increased "premiums" (wtf called it that?) regardless if you had NCB insured or not.

Frankly the whole idea of insured NCB makes no sense.

You have to TELL them about the accident even if you don't claim. If you "forget" and they find out, e.g. when you've had a serious crash/claim then they'll just void your insurance, refund your premium and walk away

[Paddy]

You have to TELL them about the accident even if you don't claim. If you "forget" and they find out, e.g. when you've had a serious crash/claim then they'll just void your insurance, refund your premium and walk away

Yes, it is also a legal requirement to report it to your insurance company even if you don't make a claim!

[cailin maith]

On a related note, which of the following would you do...

Would you pay £150 extra on top of your premium to have a nil excess or would you take an excess of lets say £500?

[MarillionFan]

The emoticon in this case that means

'Yeah I know that's what you're saying, but I also know you and know that you're talking a complete load of bollocks but I love you anyway'

[cailin maith]

The emoticon in this case that means

'Yeah I know that's what you're saying, but I also know you and know that you're talking a complete load of bollocks but I love you anyway'

Nah, we had a 'discussion' about it at the weekend, and I've now finally come round to his way of thinking.

[PAH]

Apparently the biggest reason for premium increases generally is "crash for cash".

Yep. Some areas are now as good as blacklisted with the mainstream insurers due to the plague of crashing for cash going on. I think there was a map showing that on the BBC site or somewhere like that recently.

Last year as my contract was coming to an end I enquired about changing the insurance to my then permanent address in the north west. Insurer almost wet themselves when I gave them the postcode. I was paying around £300 while contracting in the SE and they wanted an extra grand (i.e. £1300/year) to change the address to the NW.

Kept the address in the SE and now I'm in the SW, which is just as cheap.

Moral of the story is if you live anywhere near the scum, expect to pay the price in many ways. There's a lot going for working from home in a sleepy part of the country.

[shaunbhoy]

and I've now finally come round to his way of thinking.

Was that just before he let you off the hard shoulder and back in the car then CM?

[cailin maith]

Was that just before he let you off the hard shoulder and back in the car then CM?

Actually, it's a wonder he lets me in that car at all now. I drove to pick him up from the airport on Friday and I managed to leave the handbrake on... the smell of burning was horrific

[Churchill]

Was that just before he let you off the hard shoulder and back in the car then CM?

Hey, I'll try that next time. Does it work with Mrs SB?

[gingerjedi]

I tend to use a direct line quote to play off against my current insurer, as they give you a 15% discount in your first year.

Insurance has gone up about £20 a year for the past 3 years.

I use the direct line quote to play off against direct line, every year they send me a quote which I beat with their own online quote.

I wonder how much they make from lazy people?