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insurance problem

#1 2010-09-13 19:57:08
michaelj

Guest

insurance problem

can somebody put some light where i stand.

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Hi
i have complicated situation atm which is a very new to me and i dont know where i stand due to recent my missus accident. Let me show what was there:

Our cars has been insured in 3rd party Trader Insurance company called XXX for last 12 months, before we insured our car there i had 1 NCB and my Missus 3NCB, policy was taken in my name. and we were happy with it.
3 months ago Missus had accident with not her fault (motorbike hit her car,police was on place of accident - they say its not her fault etc etc, guy from motorbike had personal injuries and almost died in hospital ) car is in unworthy state and its unused since accident. - we claim it from guy insurance and claim is still in due , motorbike was apparently insured as 3rd party aswell, we just want money for car back (about 1k) ,guy claiming 11k due to personal injuries (as far i know).
Now our policy is due to renewal and XXX company asking for twice much as before due to claim in due(about 2.3k per year).
We dont want to pay that much of money and we agreed to use only 1 car which will be cheaper to insure than have Motortrade policy etc, and question is can we use our NCB or not (claim not been settled yet), or what we really should do, its really ******* me off that somebody made loads of trouble to us and we have have to pay more even wasnt our fault. What you are people thinking about that situation?

#2 2010-09-14 10:32:42
TC

Member

Registered:

2010-08-17

Posts: 61

It is not unusual for the NCB or a portion of it to be suspended when there is a claim pending regardless of who is deemed liable.

Unfortunately insurers have the power to change the rules and make them up as they go.

Once liability has been sorted, and assuming you are not liable, then your NCB should be reinstated, but don't hold your breath, and bearing in mind that you have to declare any accidents for the next 5 years watch them load your premium even though you were not liable.

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#3 2012-04-03 08:42:08
Nunzia

Guest

- OK..I am starting to say the same thing on every post..WOW. You have oodtune yourself this time. The baby is beautiful and the way you captured her is truly amazing. I can't pick a favorite, each is better than the last, but the one of her from above on the furry blanket..breathtaking. You have found your happy place Lailah..I am so proud of you! Give me some of your cards so I can hand them to every pregnant woman I see!

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