Question about car insurance and claiming? UK?

Question

If i claimed against my own insurance for damage i did not do to my own car, would it have any affect on my premium or NCB. I have protected NCB.

Answer 1

No, if you have protected no claims, your insurance won't go up & your no claims won't be affected as long as you're under the maximum number of claims to remain protected (this will be shown on your policy - eg, 3 claims in 5 years).

I assume your car has been damaged by persons unknown. If so, you should report it to the police & get a crime number, otherwise you will need to submit the claim as if you had caused the damage yourself.

Answer 2

very intereting question.Suggest you have a look here for useful tips.http://car-insurance.online-tips.info/ca...

Answer 3

Why not ask your insurance company.

Answer 4

your premuim will probably go up but i think your ncb will be ok.

Answer 5

No it will not have any effect on your premiums as you have protected NCB

Answer 6

Yes it would go sky high.

Answer 7

Jake: because simply speaking to your insurance company about this is likely to increase your premium!

Some policies even state that the holder must report every bit of damage to their car, so that the insurance co. can adjust (i.e. increase) their premiums.