Should I claim for an incident involving me and a kerb and no-one else? I pay for protected no claims, but what does that actually mean?

Last night, in the dark, I went around a right hand turn than was tighter than I had anticipated. Total idiocy on my part (although anyone having read my thread in Roadside Hotel will be aware of why my mind will not have been on the job in hand...) I ended up skimming the kerb on the left, damaging both nearside alloys (although both tyres have remained inflated) and having the top of the NSF sticking out about 2 inches further than it should. Now, I have a good mechanic friend and he's looked all around where he would have expected to see damage and there's nothing obvious that he can see. Best case, I can buy the bits that would most likely be damaged, replace the front wheel and tyre, recondition the rear and have the alignment checked for in the region of

Is the £250 your total excess or just the volentary part?

I pay for protected no claims, but what does that actually mean?

You keep your no-claims discount (for example, 75%), *but* as you've made a claim you'll be a worse risk, hence your pre-discount premium will most probably increase.

So you'll end up paying more at renewal time than you do currently, but it might not be that much more...

Rob.

Is the

swap the wheel that is sticking out with one from the other side and see if it still sticks out.. if it does you have more of an issue than just the wheel.

IMHO to knock it out 2" you must have bent or broken something even if just a bush, but I could be wrong.

Other thing is how much are 2 wheels. If you can get them for £300ish fitted then I would DIY myself.

Nah its deffo something bad under the skin, not just the wheel. Something out of whack in the suspension.

depending what your terms and conditions say regarding claims within a year , your premium may not go up by much , but it always goes up anyway , whether you crash or not

My insurance with protected no claims went up by about £40 after i rear ended a Mondeo , the driver obviously made a whiplash claim also and i think his K reg car was wrote off , so £40 + £200 excess was a bargain

As above, you will suffer a loading on your premium for having a 'fault' claim against you, ergo it will cost you more at renewal.

Another point to consider is that you are only able to make a certain number of claims within a timescale before you lose your no claims bonus, usually 2 in 5 years, so if you were unfortunate enough to have make a 3rd claim in that time, you'd lose the discount as well as a high loading for fault claims.

So its whether you'd want to use this as one of your 'lives'...

Insurance companys are robbin beggers, they get you every which way!