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Crash involving coutsey car advice pls

 
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PostPosted: Wed Nov 08, 2017 3:12 pm    Post subject: Crash involving coutsey car advice pls Reply with quote

My sister had her car in repairs and had a courtesy car signed for and insured by the garage anyway she had a rtc damage to coutsey car and other car
She has been told to pay 250 excess and garage will cover all claims arising
Question is do we tell her actual ins company now even though not claiming or declare at renewal ?
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PhillV8S
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Joined: 30 Aug 2014
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Location: Worcestershire

PostPosted: Wed Nov 08, 2017 3:30 pm    Post subject: Reply with quote

If the garage will be using her name on a claim to their insurance company then you will have to tell her insurer about the accident.
I had a bump in my work van, work insurance policy but still notified my insurer as it will be picked up on their database and then they have a get out excuse if ever i was to claim.
It didnít affect my NCB but probably bumped up my premium a little for the following years I had to declare. It.
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ALPINA
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Joined: 06 Feb 2006
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Location: Scunthorpe, North Lincs

PostPosted: Wed Nov 08, 2017 3:34 pm    Post subject: Reply with quote

Cheers Phil have clarified with my insurance n they said definitely at renewal time which she will do so she is with tesco never had a prang or claim driving over 12 years so unsure if Ncd affected or load it up
Fairly certain will be a fault claim
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PhillV8S
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PostPosted: Wed Nov 08, 2017 3:38 pm    Post subject: Reply with quote

As you wonít be claiming on your policy the NCD stays intact. But they still load the premium but not by much in my experience.
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AidanB10
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PostPosted: Thu Nov 09, 2017 12:28 am    Post subject: Reply with quote

What Phil has said is correct

Had it happen a few times in work, though it depends on the insurer as we've had reports that some premium's have gone up, and one case of a Loss of NCD

Is the repair alot more than the excess? If not then may be worth biting the bullet and paying out
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