Right, as some of you know I had a little incident in my beater whereby a farmer and his cow truck drove into me.

A week has passed and I got a nice shiney letter through from Adrian Flux saying that my premium has now gone up by

 

Your renewal has gone up

 

[QUOTE=Moggy,Nov 28 2008, 10:35 PM] Your renewal has gone up

 

I think it's simply because it hasn't been resolved so there's a question mark hanging over you.

It stinks but I believe it's normal procedure

 

I think it's like this.

By telling them that someone hit you, they (or your insurers - Flux are only brokers) have registered it as a claim and they should be acting on your behalf to recover monies from the farmer. Try to find out if this is the case.

Until they have recovered monies from the farmer, they will have a claim marked against your name.

As for the "which car" issue, I'm guessing you have a 2-car policy. If this is the case, it doesn't matter which car you are in, as the NCB applies to both.

In the old days, if you had 2 cars, you had to have 2 policies, each with a separate NCB. So if you had built up 5 years NCB and then got another car, you'd have 0 NCB on the new one. If you claimed on one car, you'd only lose NCB on one car.

With these 2-car policies, the insurers give you 2 years NCB on both cars but if you claim, you lose NCB on both.

Here's what to do.
1) Find out the claim number from Flux
2) Get the estimate for the repairs to Flux ASAP
3) Give Flux the farmer's details
4) Contact the farmer and give him the claim number and Flux details so he can pay ASAP.
5) Try to extend your cover with Flux on a month-by-month basis, then you can switch as soon as this is resolved without getting shafted by cancellation fees.

Hope that is of some help.

Give Flux the farmer's details and tell them to get in touch with him immediately. You could also give him the claim number details (FLux should be able to provide you with one)Tell him thYou need to get him to contact Flux immediately and pay them for the damage, they can
then give you the money and your no claims back.

 

Until it's resolved they can be known to do this. I am guessing that by you advising them of the accident, they have started the ball rolling. As yet, it has not been agreed in the eyes of the insurance who's fault it is. Once decided and it turns out to be the other drivers fault, you will get you NCB back and I think a refund. I believe this can last up to 2 years after which point nobody can claim, you will be refunded.

A friend of mine did this with the same company. Mentioned he had a small alltercation but no damage either way and no details swapped. They took the NCB away for 2 years until it got to a point where nobody could claim. He then got a refund for the NCB and his bonus reinstated.

Either way, your insurance will still go up as you have been invloved in an accident and thats on record now so you would have to notify insurance companies of this. Apparently, if you are involved in a none fault accident, you are more likely to make a claim in the next 2 years statistically...... I really don't like these companies.....Grrrrr!!!!!

 

Always protect your no claims.

 

Hyper, so are you saying the car you had the accident in is insured in its own right under a policy completely seperate from your S?

If so, they can't step back the no claims discount on your S policy (but they can load the premium because you've had a claim elsewhere).

 

I suspect Ron has a multi-car policy, we await his response with baited breath

 

Sounds a bit fishy to me.

It's "bated breath" BTW LG. Bated being a contraction of abated, ie: lowered in force.
I can never figure out why someone would try to catch things by baiting their mouth.