Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
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If i claim for a panel to be resprayed that someone has keyed, does this still mean i don't loose my NCB of 8 years. Yes i'm an old bastard  
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_Allan_
Member
Registered: 24th Mar 04
User status: Offline
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You shouldn't do but I bet your premium is still loaded next year as you will have to declare a claim. I think it's a bit of a con tbh.
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Diff
Member
Registered: 24th Oct 04
User status: Offline
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Depends if you have your NCB protected:
If you do, then it depends if you have made any claims within the last 5 years etc
If you do not, then i expect that you would have the 8 years NCB reduced down
Common misinterpretation is that Protected NCB = Protected premium, so no increase.
Protected NCB just protects the discount that you have built up over the years. So, if you do have a claim then you are perceived to be an increased risk hence an increased premium, but your NCB discount is still applied to that premium base figure
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AndyKent
Member
Registered: 3rd Sep 05
User status: Offline
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Surely the cost of one panel would be less than your excess?
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Rich H
Member
Registered: 26th Oct 05
Location: West Sussex Drives: E46 M3
User status: Offline
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You'll still have to declare the claim though which means you will still see a rise in your premium next year, you won't lose the NCB though.
Well that's what happened to my old man last year anyway.
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Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
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Did his insurance go up this year Rich?
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Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
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quote:
Originally posted by AndyKent
Surely the cost of one panel would be less than your excess?
The wing got keyed and now i've hit the gate and cracked it 
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chloe16v
Member
Registered: 29th Nov 07
Location: Rotherham
User status: Offline
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just buy a new wing in the same colour? 
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Rich H
Member
Registered: 26th Oct 05
Location: West Sussex Drives: E46 M3
User status: Offline
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quote:
Originally posted by Andrew
Did his insurance go up this year Rich?
Yeh by £100 which is a hell of a lot for him as he's 50+ and his premium is normally £400ish, went up to £500ish iirc. That is on a 59 plate Audi A4 Allroad, but the facts / circumstances etc are similar.
EDIT: The claim was only for around £300 too iirc.
[Edited on 17-01-2010 by Rich H]
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Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
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My policy went from £290 to £390 this year though and read on here simlar things have hap to people on here due to insurance companys making a loss. Could it have been that or did they point out it was because of the claim?
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Rich H
Member
Registered: 26th Oct 05
Location: West Sussex Drives: E46 M3
User status: Offline
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Well he was told it was due to the claim - I had to remove him from my van policy last week when I renewed that too as putting him on and declaring the claim shot the premium up by £300ish - the previous year he reduced my premium by £50 lol.
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Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
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Think i'll just get a new wing the same colour then
Anyway of blending the colour in of slightly mismatched? Get the feeling mine is more faded than most as i used to leave it rotten most of the time
Cheers for your help Rich!!
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Rich H
Member
Registered: 26th Oct 05
Location: West Sussex Drives: E46 M3
User status: Offline
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No worries 
If the new panel is less faded, then the rest of the car should look better after a good old polish?
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Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
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Aye, it's never seen polish in its life Think i did it when i first got the car and then used it for the commute.
Planning on tidying the body and giving a service this summer.
See how it turns out 
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
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If you've left it dirty its probably less likely to be faded.
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