After my "interesting" trip home last night lol.

If i were to claim on insurance for getting repairs after hitting an animal... how would it reflect on renewal? ie would it be classed as a fault-claim??

Would it make any difference to my protected ncb?

Ta

From experiance it will not affect your protected NCB ...but you will be more of a risk because you made a claim and your basic insurance will go up a bit....they get you every time

My car collided with a deer last October. I claimed off my LV policy for the repair which came to £1200, of which I paid the £200 excess. On renewal this year the claim has been classed as an incident and my 75.5% protected NCB is unaffected. However the premium has gone up by 25% on what I paid last year.

My car collided with a deer last October. I claimed off my LV policy for the repair which came to £1200, of which I paid the £200 excess. On renewal this year the claim has been classed as an incident and my 75.5% protected NCB is unaffected. However the premium has gone up by 25% on what I paid last year.

Sounds familiar.

Are Adrian flux ever going to answer ?

I'd just give 'em a ring and ask. They're unlikely to comment directly and ask Col to ring anway, or arrange a ring back

Steve

I do apologise for not replying before.

Neo Vr are you insured with us? If so then I can check with the Claims Manager how it would affect your Renewal, Insurers all vary the wording for their policy on accidents so as to whether it will affect the NCB / Renewal it would be hard to advise correctly, I would advise to check the Terms and Conditions of your policy with your Insurer.

Be interested to know the answer on this one.

Thoughts are a fault claim.

Hi,

I have spoken to the Claims Manager again regards this type of accident and his reply is as follows,

It would be classed as fault in most cases. Sometimes the insurer may be able to recover their costs depending on animal eg. if farm animal may be able to claim from farm insurance but if wild animal definite fault.

The protected ncb is difficult to answer as depends on specific insurers terms as whether had any other accidents.

Hope this helps,

Dan.

Thanks for the update... the claim has now been sorted.

now that its renewal-time its shown up on my policy as "accident, no tp involved, At fault" which is fair enough.

Bad thing is its doubled my renewal :( - looks like ill be moving on after 5 years as AF cant match other quotes ive had. :(

Hi Neo VR,

Wold you like to PM me your Name and Postcode and I can look into your Renewal for you. Have any of your other details changed?

Dan.