AVE Insurance
 

UK Car Insurance: Does Reporting An Accident Where Neither Side Claims Affect Your No Claims Bonus?

Question by Chris D | Posted in Insurance & Registration

I insure my car with Admiral insurance in the UK. Recently I was involved in a very minor accident, for which I do not intend to claim. It is not clear whether the other party will claim from their insurance or not. If I report the accident to my insurer, even if neither side actually puts in a claim pertaining to the accident, will this be considered as a claim for working out my No Claims Bonus next year?

Answer: I had a similar situation a few months ago. Someone clipped my back bumper, no major damage, and no injuries (thankfully). She was humming and hawing about whether she should put it through her insurance.
What I did was to straight away report the incident to my local garda station, just to have the incident on record, and I phoned my insurance company the following day. I didn't give my name, just made the specific enquiry - did I have to officially inform them of an incident in which I had no liability and no claim in. They told me I didn't, so I didn't officially inform them of anything!
The best thing always is to get any minor incident on record in your local police station
 
 

UK Answers Please Re: Travel Insurance Claims?

Question by Charlene | Posted in Insurance

I had to cancel a holiday a month ago due to having blackout and whacking my face on a glass table and subsequent bruising that occured. My doctors both said that I shouldn't have a problem getting the money back. I have put in a claim - what can I do if it is rejected? I know that insurance companies aren't willing to pay out for claims so is there anyone I can appeal to? Any advice would be great. Thank you :-)
The doctor has signed the form.

Answer: As has already been mentioned, you *should* be okay but to answer your question re. where to go and what to do in the event of difficulities, you could either appoint an Assessor to handle your claim or you could refer the matter to the Financial Ombudsman Service.

The FOS is struggling with a massive backlog at the moment and anything seems to take months to deal with there, but they're cost-free. You can find them here:
http://www.fos.org.uk/

Related Topics:

Second To Die Life Insurance
Blue Cross And Blue Shield Health Insurance
Blue Cross Of California Insurance

 
 

If I Do Not Have A UK Car Insurance Policy For Over Two Years, Do I Lose All Of My No Claims Discount?

Question by dave_uk_ne | Posted in Insurance & Registration

I am working abroad for over two years and a friend has just told me that if you do not have a UK car insurance policy for over two years, on my return to the UK no insurers will recognise my previous 9 years of NCD that I have?

Answer: yes this is right the NCB lasts for two years after that it is back to square one I know this to be a fact it happened to me
it would be advantageous for you to buy a small car worth a couple of hundred and park it up somewhere safe and take out third party insurance for the two years you are away

Related Topics:

Apartment Building Insurance
Blue Cross Blue Shield Individual Insurance
Blue Cross Supplemental Insurance

 
 

UK Car Insurance - No Claims Discount?

Question by dom462 | Posted in Insurance & Registration

My car insurance has come up for renewal and I am looking at other insurance companies as an alternative to my current insurer.

I have had insurance with my insurer for 2 years; one with a provisional license when I was learning and one with a full licence. It states on my renewal that I have 2 years no-claims bonus.

When i go onto the websites of other insureres for a quote it does not let me enter more years no-claims bonus than years I have held a full licence. Does anybody know if the no-claims discount I obtained when i had a provisional licence is recognised by other insurers?

Answer: No, you won't be able to transfer the 2 years over to another company, just the 1 year that you gained with A FULL license. It's to try and get you to stay with the same insurer. Other companies will be asking you how long you have held your full license, and if it's only 1 year, you can't have 2 years NCB. You could always phone up and ask another insurer, but chances are they won't accept it. Why would they, they will make more money off you if they don't.

Related Topics:

Gulf Life Insurance
Top Life Insurance Company
Amicable Insurance

 
 

Insurance, No Claims Protection Question UK Cars?

Question by Daley | Posted in Insurance & Registration

I have just had a small accident with another car. cosmetic only pain scuffs. I have 6 years NCB. can i purchase no claims protection before informing the company of the aaccident

Answer: No. No claims protection is a part of the policy which can be included when you take out the insurance, it can't be added retrospectively.

Related Topics:

Low Cost Pet Insurance
Blue Cross Insurance Plan
Public Schools Insurance

 

Helpful Information On A Road Traffic Accident Compensation Claim ...

by willson

If you have been involved in an accident of this sort, you can make a compensation claim for the losses suffered and file for a car accident compensation claim. Nevertheless, a great number of compensation claims made regarding car accidents are found out to be injuries caused by human miscalculation. This renders car accident compensation claims simpler to undertake. In the event of the latter resulting in car accidents, the legal responsibility for the subsequent injuries any persons may suffer should not be difficult to specify....

Read more...
© 2011 AVE Insurance