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ronp
Member Since: 29 Nov 2006
Location: North Yorkshire
Posts: 15264
  
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You may have read I've had some scum damage my D4
http://www.disco4.com/forum/topic70898.html
But wondering whether to go through insurance or pay up myself.
I've got 'protected no claims' but need to understand how that works.
OK, if I stay with same insurer upon renewal, I can see it working.
But surely if I were to move insurers [which I was planning to do] they'll ask me about previous incidents and look upon this a claim and penalise me for it ... 'protected no claims' or not!
How does this work - is it 'protected claims' provided you stay with the same insurer? ...... always on the road less travelled 🚧
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 19th Oct 2011 9:11 am |
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devonchilliman
Member Since: 03 Nov 2008
Location: Devon
Posts: 5224
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Not too sure TBH Ron....I've had protected no claims and made a claim,which didn't affect my premium,but that was with the same insurance company.It shouldn't affect your premium  ,still can't believe what's happened to you Landmark,it makes my blood boil  Www.devonchilliman.co.uk
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| 19th Oct 2011 9:15 am |
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ronp
Member Since: 29 Nov 2006
Location: North Yorkshire
Posts: 15264
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devonchilliman wrote: .. still can't believe what's happened to you Landmark,it makes my blood boil
How do you think I feel 
Accidental damage is one thing .....
..I don't even accept that as in my view there's no such thing as an 'acciden't ...
... it's 'carelessness' [at the very least].
'Accident' is just a word that covers that event!
However when something is done in purpose ....
.. well that's a completely different thing and far far more agrieving in my situationn. 
Just got my local LR dealers quote through and there's is much better at a smidgen under £500.
But that's me glueing the lamp guard back together and LR said they'd buff out the tailgate scratches FOC.
As my excess is £350 [£200 compulsory and £150 voluntary] that's the reason I'm now questioning whether to go through insurance or stump up myself.
No matter what I do, it'll feel just like chucking £500/£350 of fivers out of the window. ...... always on the road less travelled 🚧
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| 19th Oct 2011 9:37 am |
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dangerdave
Member Since: 23 Nov 2010
Location: <>
Posts: 4495
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Admin note: post content removed at user request
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| 19th Oct 2011 9:42 am |
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Dave T
Member Since: 03 Jul 2009
Location: Glasgow
Posts: 6910
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devonchilliman wrote:Not too sure TBH Ron....I've had protected no claims and made a claim,which didn't affect my premium,but that was with the same insurance company.It shouldn't affect your premium ,still can't believe what's happened to you Landmark,it makes my blood boil
My understanding is that the bit you are protecting is the no claims discount (ie the % you get off). If you have a claim then you will still get that % off of the premium, but that initial premium will be higher. Joined the BMWX5 45e group
1994 Defender 90
2015 RRS Corris Grey/Black roof
2016 D4 Graphite Santorini Black
2012 D4 XS Orkney Grey
2005 D3 S Maya Gold
Convoy for Heroes 2011
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| 19th Oct 2011 11:47 am |
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kingofthesparks
Member Since: 02 Jun 2011
Location: Near Northampton m1 Watford gap
Posts: 429
 
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No claims bonus is a load of tosh anyway.
Got 90% no claims discount from AXA, premium was £ 383
Are they really telling me if i had 0 no claims it would be nearly £4K , of course not, done a comparison online with 0 no claims premium was £ 942
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| 19th Oct 2011 12:28 pm |
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DiscoDunc
Member Since: 08 May 2006
Location: Bristol
Posts: 16390
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the no claims discount doent apply to all of the charge, only part of it.
So, if you have an accident, make a claim or someone makes a claim against you, then that is seen as a risk and your premium can still go up, even if you have protected no claims and there was no damage to your vehicle !- best way to avioid it is not to involve the insurance company Duncan
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| 19th Oct 2011 12:32 pm |
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