Hi 

 

so so recently I got into a accident, I was going through the claim process with my insurance, I get a call from my insurance company saying they can no longer carry on with my claim as my tyres were “bald” at the time of the accident so my car was not road safe legally. I have now fixed my car with my own money, want I want to know is, seeing as my insurance cancelled my claim, will my NCB be affected or will I still get this year added onto my NCB 

 

Thanks 

Welcome.

Were your tyres bald and below the legal limit?   Would they have failed a MOT test or annual test in which ever country you are in?

 

Who measured them, a loss adjuster, accident examiner or police officer?

ie, were you driving an unsafe car and has there been some legal action taken against you.

Was the accident a fault of yours?

?

Are they cancelling your insurance policy and declining you a policy now?

 

??

Did you not have NCB Protection with your Policy?

 

Someone that knows will be a long, you did make a claim even though they never paid out, was there and 3rd party claim?

 

Or ask your Insurance Broker or Company!

Edited 10 March, 20197 yr by Skoffski

No, you will not get a years no claim added, not only as you have not completed the year, but you have also made a claim.

 

What you will get i think, is a lot of grief trying to get new insurance, as (1) you have had your insurance cancelled by your insurer (for driving an un-roadworthy car), and (2) you should also declare to any insurers that you have had an accident and made a claim (doesn't matter that it wasn't paid out) or any future claims will be refused, and you may be prosecuted, for insurance fraud. 

 

That is, in the UK, anyway.

On 10/03/2019 at 00:46, Husseinm575 said:

 will my NCB be affected or will I still get this year added onto my NCB 

 

For a definitive answer I'm afraid you will have to ask your insurance company. They all have different rules.

17 minutes ago, Tilt said:

No, you will not get a years no claim added, not only as you have not completed the year, but you have also made a claim.

 

What you will get i think, is a lot of grief trying to get new insurance, as (1) you have had your insurance cancelled by your insurer (for driving an un-roadworthy car), and (2) you should also declare to any insurers that you have had an accident and made a claim (doesn't matter that it wasn't paid out) or any future claims will be refused, and you may be prosecuted, for insurance fraud. 

 

That is, in the UK, anyway.

I’m still insured with them, they didn’t cancel my insurance with them, they just cancelled/denied my claim 

But I’m still insured with them 

11 minutes ago, xman said:

 

For a definitive answer I'm afraid you will have to ask your insurance company. They all have different rules.

 

Just now, Husseinm575 said:

I’m still insured with them, they didn’t cancel my insurance with them, they just cancelled/denied my claim 

But I’m still insured with them 

True 

6 minutes ago, Husseinm575 said:

I’m still insured with them, they didn’t cancel my insurance with them, they just cancelled/denied my claim 

But I’m still insured with them 

My apologies........I misread.

Just now, Tilt said:

My apologies........I misread.

That’s fine, any clue to what will happen to my NCB now? Or you unsure?

?

What is the story then, did you have tyres with an illegal tread depth?  Who was it that checked them?

Just now, Skoffski said:

?

What is the story then, did you have tyres with an illegal tread depth?  Who was it that checked them?

Basically yeah, and the insurance company sent out an accessory to see if the car was a write-off or not. 

He put in his notes about my tyres being the illegal tread depth and insurance company saw that, called me and explained they couldn’t carry on with my claim 

I hope there were pictures to go with the measurements from the assessor unless you knew the tyres were actually illegal.

Just now, Skoffski said:

I hope there were pictures to go with the measurements from the assessor unless you knew the tyres were actually illegal.

I had no clue, I’m young and very busy so it was one of the last things on my mind 

 

He took pictures on the day and showed me that they were illegal, he had some metal rod to measure the tires tread depth 

I would suspect as xman stated, only your insurance company can answer your question definitively. (edit) tho i still suspect it will be taken as you have still made a claim it will depend only if you have your NCB protected.

 

Lesson to be learned on checking peoples vehicles. Good luck tho.

 

Edited 14 March, 20197 yr by Tilt

Simple really, when you had your accident which I am assuming was your fault unless you say otherwise, were any other vehicles or property damaged? Any passengers claiming for injury etc?

 

That is to say could your insurer have to pay out on your behalf?

 

Once you notify an insurer of an accident then a claim is "pending" and will remain so for IIRC 2.5 years at which point if nobody has claimed then the NCB will be re-instated.

 

But you have had an accident and have made a claim albeit one that was refuted, even if they dont take away your NCB I cant see them adding another year and they will most certainly load your policy and there will be nothing that you can do about it, going elsewhere will be even more expensive and the accident/claim info is shared so no point "forgetting" about the incident.

 

Many people that have paid extra for protected NCB have found to their cost how much their premium has gone up after a small claim for a dent or a scratch and they could not go elsewhere as their protected NCB does not count elsewhere, they had an accident and a claim.

19 minutes ago, J.R. said:

people that have paid extra for protected NCB have found to their cost how much their premium has gone up after a small claim for a dent or a scratch and they could not go elsewhere as their protected NCB does not count elsewhere, they had an accident and a claim.

 

I understand the insurance premium going up in price at renewal as the NCB is only a discount from the new price and it will go up due to both the accident and the claim, but i was not aware as the NCB does not count elsewhere..........Are you sure of this.

 

If your current insurer holds a NCB (number of years discount) for you (as this was protected) this would show on your renewal, and this is all you need to prove your NCB (discount) to new insurance companies. (you would still have to declare the at fault / not at fault (or whatever) accident, obviously).

In terms of protected NCB, its purely an internal accounting type of thing, if you require proof of NO CLAIMS bonus from your insurer it will state that you had a claim.

 

But I have not had UK insurance for over 15 years so what you say regarding using the renewal notice may well be true, here in France its a seperate document "relevé d'informations" that is required which is effectively a proof of no claims.

From my experience, protected NCB does count even if you've recently claimed, it may depend on the insurer if they will accept it but they all will still ask if you have been involved in any accident or made a claim in the last 3 to 6 years (depending on insurer). You can tell them whether a claim was paid or not, but I doubt whether that will help, it will actually go against you if they hear it was declined.

 

The OP's accident/claim will be recorded on the MIB database, so no use lying or withholding information as they will then either up the premium or worse still refuse insurance which if that gets recorded leads to mega problems obtaining any insurance.

 

No claims protection is usually only available to persons over a certain age (30) and with at least 3 years NCB. From his description (young) its unlikely the OP has protected NCB.

 

It is now law for insurance companies to state clearly what happens to your NCB in the event of claims, usually a couple of tables printed on your renewal/proposal or policy documents. What actually happens varies with the insurance company, there is no universal rule or standard and may even vary policyholder to policyholder.

Edited 14 March, 20197 yr by xman

Do you now have new road-legal tyres? Owning and driving a car comes with responsibilities to other road users, this includes ensuring that the only thing keeping your car sticking to the road is regularly checked and meets a certain standard of safety. Had you spun off a bend and piled into an oncoming car carrying children I dread to think of the consequences. Of course this didn't happen, but it would be interesting to know exactly what did happen?

 

Anyway, I hope you lose all your NCB and the insurance hike prices you off the road. The excuse of being young and busy doesn't wash. Time to grow up and stop being so arrogant.

 

   

1 minute ago, Jigger72 said:

Do you now have new road-legal tyres? Owning and driving a car comes with responsibilities to other road users, this includes ensuring that the only thing keeping your car sticking to the road is regularly checked and meets a certain standard of safety. Had you spun off a bend and piled into an oncoming car carrying children I dread to think of the consequences. Of course this didn't happen, but it would be interesting to know exactly what did happen?

 

Anyway, I hope you lose all your NCB and the insurance hike prices you off the road. The excuse of being young and busy doesn't wash. Time to grow up and stop being so arrogant.

 

   

 

There is no room in this forum for this type of lecturing and nasty comment. If you want to play at policeman, try joining Honest John Motoring discussion where the old farts there will make you feel welcome. 

 

Bit harsh jigger......................I just hope he learns his lesson and looks after his vehicle a bit better, for his own sake and other road users safety.

 

I refrained from saying what @Jigger72 posted but it was what i was thinking, but i was giving the benefit of the doubt and waiting for some reason from the OP for there being bald or illegal tyres.

Little came in the way of an explanation of what caused the car to be damaged.

27 minutes ago, Jigger72 said:

Do you now have new road-legal tyres? Owning and driving a car comes with responsibilities to other road users, this includes ensuring that the only thing keeping your car sticking to the road is regularly checked and meets a certain standard of safety. Had you spun off a bend and piled into an oncoming car carrying children I dread to think of the consequences. Of course this didn't happen, but it would be interesting to know exactly what did happen?

 

Anyway, I hope you lose all your NCB and the insurance hike prices you off the road. The excuse of being young and busy doesn't wash. Time to grow up and stop being so arrogant.

 

   

Hope something worse happens to you, what a waste of a person

 

37 minutes ago, Jigger72 said:

Do you now have new road-legal tyres? Owning and driving a car comes with responsibilities to other road users, this includes ensuring that the only thing keeping your car sticking to the road is regularly checked and meets a certain standard of safety. Had you spun off a bend and piled into an oncoming car carrying children I dread to think of the consequences. Of course this didn't happen, but it would be interesting to know exactly what did happen?

 

Anyway, I hope you lose all your NCB and the insurance hike prices you off the road. The excuse of being young and busy doesn't wash. Time to grow up and stop being so arrogant.

 

   

Edited 14 March, 20197 yr by Husseinm575

1 minute ago, Skoffski said:

I refrained from saying what @Jigger72 posted but it was what i was thinking, but i was giving the benefit of the doubt and waiting for some reason from the OP for there being bald or illegal tyres.

Little came in the way of an explanation of what caused the car to be damaged.

We don't know anything about the circumstances. You are all speculating, you are not judge or jury or insurance assessor and this is not the place to start.

 

Could have been no third party, nothing to do with tyres, minor accident. We don't know if it was one tyre or more, 1.5mm tread or less. Or an assessor acting beyond reason under pressure.

 

Lecturing and particularly nasty , "I hope you lose everything in the world” comments don't endear anyone. 

 

Briskoda has lost at least one member today and may stop others joining if they read this thread.

If the OP did not want to answer those questions i asked in posts that is totally up to them.