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4018 Posts Member #: 1757 Back to Fucking Tool status Swindon |
6th Jan, 2012 at 03:17:04pm
Unfortunately my girfriend had a little bump in our car yesterday, no damage to our car and a dent in the bumper of the other persons.
Drives
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 3673 Posts Member #: 9300 Post Whore Quarry Bonk |
6th Jan, 2012 at 03:19:05pm
Turd in a box. On 26th Jan, 2012 Tom Fenton said:
ring problems are down to wear or abuse but although annoying it isn't a show stopper On 5th Aug, 2014 madmk1 said:
Shit the bed! I had snapped the end of my shaft off!! 17.213 @ 71mph, 64bhp n/a (Old Engine) |
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 1755 Posts Member #: 8852 Post Whore leicestershire |
6th Jan, 2012 at 03:20:07pm
Thats insurence.
13.95 1/4 mile on a 2.95 fd. Carnt be that hard to beat! |
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 2057 Posts Member #: 9252 Post Whore Cleethorpes |
6th Jan, 2012 at 03:23:23pm
did they say why you loose two years ? strange as you wernt driving Done now needs redoing lol |
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Site Admin  15300 Posts Member #: 337 Fearless Tom Fenton, Avon Park 2007 & 2008 class D winner & TM legend. |
6th Jan, 2012 at 03:26:44pm
Sadly although insurance is supposed to cover you for these events, you would probably have been better in this instance to fork out to have the bumper of the other car repaired, not tell the ins co, and be done with it.
On 29th Nov, 2016 madmk1 said:
On 28th Nov, 2016 Rob Gavin said:
I refuse to pay for anything else Like fuel 😂😂 |
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 10022 Posts Member #: 1456 Mongo Barnsley, South Flatcapshire |
6th Jan, 2012 at 03:33:26pm
I'm pretty sure NC is tied to policy too. E.G if I bosh our gerts car (I'm a named driver) she loses no claims. If something is worth doing, it's worth doing half of. |
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4018 Posts Member #: 1757 Back to Fucking Tool status Swindon |
6th Jan, 2012 at 03:49:00pm
I have just realised the sperate policy is for there multi car one, i would have forked out for there bumper but as the misses was driving and i was at work i did to get chance to.speak to the other driver, they have already gone through there insurer i then had to tell mine by law which is shit as im not claiming Drives
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4309 Posts Member #: 1321 Post Whore Wiltshire |
6th Jan, 2012 at 03:53:39pm
fuck just realised your not even claiming - Bastards! Edited by minimole23 on 6th Jan, 2012. On 7th Oct, 2010 5haneJ said:
yeah I gave it all a good prodding |
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 16540 Posts Member #: 4241 King Gaycharger, butt plug dealer, Sheldon Cooper and a BAC but generally a niceish fella if you dont mind a northerner Rotherham, South Yorkshire |
6th Jan, 2012 at 03:53:47pm
If you are not claiming, how can they reduce your no claims bonus? It's a contradiction in terms. Fair enough mark your girlfriend as a risk, but it shouldn't effect your no claims.
On 11th Feb, 2015 robert said:
i tried putting soap on it , and heating it to brown , then slathered my new lube on it 
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4018 Posts Member #: 1757 Back to Fucking Tool status Swindon |
6th Jan, 2012 at 04:10:45pm
They said that it will drop our no claims down by two years? I need to fully read through our t@c's again but it did seem odd to me as we arnt claiming.... Drives
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4309 Posts Member #: 1321 Post Whore Wiltshire |
6th Jan, 2012 at 04:13:10pm
Ask them for a defintion of what a no claims bonus is, it could be worded so that even if you have an incident but it doesn't cost them money they still use it as an oppertunity to screw you. On 7th Oct, 2010 5haneJ said:
yeah I gave it all a good prodding |
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10022 Posts Member #: 1456 Mongo Barnsley, South Flatcapshire |
6th Jan, 2012 at 04:16:34pm
You may not be claiming but the other party is so your insurance is still paying out. If something is worth doing, it's worth doing half of. |
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4018 Posts Member #: 1757 Back to Fucking Tool status Swindon |
6th Jan, 2012 at 04:20:47pm
Well there insurance company hasent contacted ours at all not even phoned my gf so i dont thinm she is even claiming from ours... Drives
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 11046 Posts Member #: 965 Post Whore Preston On The Brook |
6th Jan, 2012 at 06:04:53pm
On 6th Jan, 2012 Paul R said:
I have just realised the sperate policy is for there multi car one, i would have forked out for there bumper but as the misses was driving and i was at work i did to get chance to.speak to the other driver, they have already gone through there insurer i then had to tell mine by law which is shit as im not claiming No claims means no claims, and since you are not claiming it shouldn't matter if you wrote the car off, so long as there is no third part persuing a claim. I'd be writing to the fiancial ombudsman On 26th Oct, 2004 TurboDave16v said:
Is it A-Series only? I think it should be... So when some joey comes on here about how his 16v turbo vauxhall is great compared to ours, he can be given the 'bird'... On 26th Oct, 2004 Tom Fenton said:
Yep I agree with TD........ |
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4018 Posts Member #: 1757 Back to Fucking Tool status Swindon |
6th Jan, 2012 at 06:07:56pm
The other person (third party) is making a claim but we are not which is why im confused as we arnt so why should it effect our ncb? Tbh im tempted to switch insurer and not mention a claim as there hasent been one and state what our ncb should be Drives
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4309 Posts Member #: 1321 Post Whore Wiltshire |
6th Jan, 2012 at 06:19:37pm
You are costing your insurance company money as the 3rd party is making a claim against you, therefore to reflect this cost you loose some of your no claims, I thought that would be fairly obvious. On 7th Oct, 2010 5haneJ said:
yeah I gave it all a good prodding |
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11046 Posts Member #: 965 Post Whore Preston On The Brook |
6th Jan, 2012 at 06:35:29pm
If the third party is claiming then you will indeed loose NCB.
On 26th Oct, 2004 TurboDave16v said:
Is it A-Series only? I think it should be... So when some joey comes on here about how his 16v turbo vauxhall is great compared to ours, he can be given the 'bird'... On 26th Oct, 2004 Tom Fenton said:
Yep I agree with TD........ |
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 3074 Posts Member #: 1348 Post Whore wakefield West Yorks |
6th Jan, 2012 at 06:49:36pm
Who's fault was it?? i gather your girlfriends, so the other party is claming from your insurance, so yes you will loose ncb.
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53 Posts Member #: 9404 Advanced Member Cambridge |
6th Jan, 2012 at 06:57:12pm
I have no end of people coming in paying for accident damage and not going through the insurance! Iv had 2 in this week!! Lol |
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 8215 Posts Member #: 90 Post Whore Somewhere around Swindon |
6th Jan, 2012 at 07:02:55pm
will have to pay access if he claims on his own car
On 6th Jan, 2012 cossierick said:
Who's fault was it?? i gather your girlfriends, so the other party is claming from your insurance, so yes you will loose ncb. I supose the next stupid question is, if there is a claim against your policy, why have you decided not to claim, you might aswell as i wont affect anything else as theres a claim anyway. rick Crystal Sound Audio said:
Why wolfie...you should have your name as Fuckfaceshithead ! "A common mistake that people make when trying to design something completely foolproof is to underestimate the ingenuity of complete fools."-Douglas Adams |
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3074 Posts Member #: 1348 Post Whore wakefield West Yorks |
6th Jan, 2012 at 07:07:49pm
Will he not have to pay his excess anyway? |
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4018 Posts Member #: 1757 Back to Fucking Tool status Swindon |
6th Jan, 2012 at 07:08:53pm
There is no damage to our car so why claim? There is no point in paying our excess if there is no damage? Or am i missing something? And im not even sure the other party is claiming from us, my insurance company hadent been contacted by hers. It has been over 24h since it happened so surely they would have contacted? Its a pisser as she only needed a new bumper which is not expencive brakers sell then with same colour ect for under 200 pounds would have been cheaper than her excess ;-S Drives
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8215 Posts Member #: 90 Post Whore Somewhere around Swindon |
6th Jan, 2012 at 07:13:01pm
no you only pay the access when you claim on your own car Crystal Sound Audio said:
Why wolfie...you should have your name as Fuckfaceshithead ! "A common mistake that people make when trying to design something completely foolproof is to underestimate the ingenuity of complete fools."-Douglas Adams |
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3074 Posts Member #: 1348 Post Whore wakefield West Yorks |
6th Jan, 2012 at 07:20:51pm
On 6th Jan, 2012 wolfie said:
no you only pay the access when you claim on your own car Arr, il get my coat then.lol Well i supose you could contact the other party saying youl just pay for the repair if nothing has happened with the insurances then. then bonus you wont loose anything |
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16540 Posts Member #: 4241 King Gaycharger, butt plug dealer, Sheldon Cooper and a BAC but generally a niceish fella if you dont mind a northerner Rotherham, South Yorkshire |
6th Jan, 2012 at 07:27:49pm
You pay your excess for any claim, be it you or a third party claiming against you. On 11th Feb, 2015 robert said:
i tried putting soap on it , and heating it to brown , then slathered my new lube on it
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