insurance claim

[rbumagat]

i just don't know if this has been answered, pls bear with me.

had my rover 600 p reg rear ended.the guy admitted his fault. got his details and had my insurance co contacted the other person but haven't given his insurance details yet.they had mentioned the �200 excess claim, which i am going to pay? how is this?

 the guy admitted the fault but my insurance co has written me that my claim might affect my No Claims Discount. is this possible? how does this thing work? and if my car gets written off, they will have to deduct that �200 excess.i'm confused...

thanks a lot...

[Loosehead]

If his co is paying then there should be no excess, sounds like your IC is handling the claim. Check with them if they have his IC details. Are you fully comp? if you are your co could be going for a quiet life. Is the other driver insured? It could be that your co is handling the claim becaue the other driver is not insured. There is no way that you should be penalised for this.

[Hammer]

Once it all gets sorted out and everyone agrees that it's his fault, you'll get your �200 back if yuo've already paid it, and you won't lose your no claims bonus.

In the meantime, your insurance company is just warning you that until everything is done and dusted, you may lose them. I wouldn't worry about it.

[ianess]

In return for a lower insurance quote you agreed to meet the first �200 of ANY claim.   You seem to have claimed against your own insurance company therefore strictly speaking they're only doing what you initially agreed to.
Remember it's a no-claims discount, not a no-blame one.
If your car is written off your payment will be reduced by the �200, which you should claim back from the other party.
You will eventually get things sorted out with the other party's insurance, get your money back and your no-claims bonus may be restored but it will take time.
Put it down to the joys of motoring.