mediabloke
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| posted on 16/11/09 at 12:06 AM |
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Your call, I guess, but with the benefit of hindsight, I wouldn't think of making the claim - even with a >£5k car. Before a couple of
non-fault accidents (my car parked both times, one vandalism, one hit & run), my insurer reduced my NCB by 2 years for each claim and my renewal
premium nearly doubled - on 3 cars inc. my Indy. 
Had I paid for the repairs myself, we could have saved the cost in premiums and still have full NCB.
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indykid
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| posted on 16/11/09 at 12:17 AM |
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i'm still fending off insurance premiums due to this
i wouldn't claim for anything under £2k if you're young. i'm 24 now and last year's premium for my 1.6 import mx5 was £1100.
without the claim, i'd've saved about £250-300 based on online quotes but went with flux in the end.
still worth having fully comp insurance though imho. if you have an accident that involves more than just your car, you still get reimbursed for your
car then. for the pittance extra, it's worth it i'd say.
i don't know the total value of my claim all told but i wrote off a less than 12month old corsa and my car spent 5 months in storage at a local
recovery garage and MK while i tried to undo MK's feck up with the assessors.
congratulations on a spectacular accident though!
tom
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Alex.
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| posted on 16/11/09 at 09:14 AM |
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Just a thought, but when you get any insurance quotes they ask if you have had any ACCIDENTS, claims or convictions in the last 5 years.
So even if you don't claim you have to tell any insurer about this accident. I do believe that you have to tell your current insurer about this
accident even if you are not going to make a claim.
Sorry to bring this up, but it would be best to check with your insurer, just in case they find out and invalidate the insurance on your brothers
box...
Alex.
[Edited on 16/11/09 by Alex.]
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cd.thomson
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| posted on 16/11/09 at 09:24 AM |
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when I've been getting quotes the only thing thats asked is if I've made a claim in the last 5 years.
Craig
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