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From: Miike G on

"Elder" <carl.robson(a)bouncing-czechs.com> wrote in message
news:MPG.25cbdfba100115bd989b6d(a)news.individual.net...
> In article <7se0qcF8suU1(a)mid.individual.net>,
> miktoolman(a)miktoolman.plus.net says...
>>
>> "Adrian" <toomany2cvs(a)gmail.com> wrote in message
>> news:7sdr3oF3htU1(a)mid.individual.net...
>> > Elder <carl.robson(a)gmail.com> gurgled happily, sounding much like they
>> > were saying:
>> >
>> >> But hey, they called me and admitted liability and arranged a repair.
>> >> so it isn't me or NCD that is suffering.
>> >
>> > Your premium will still suffer, though.
>>
>> I doubt it. IME 'no fault' accidents, paid for by 3rd parties insurance
>> has
>> no affect on ones premium.
>>
>> > Being hit whilst parked costs me more a year than 2xFPNs.
>>
>> Should depend on who pays for the repair.
>> Mike...
>>
>>
>>
> Her insurance is paying, in their words "so you won't need to make a
> claim"

Clearcut in your case, as you know who caused the damage, but if you didn't,
and claimed off your own insurance, assuming you have a fully comprehensive
policy, it could affect your premium, which might be the point that Adrian
is making.
Mike..


From: Adrian on
"Miike G" <miktoolman(a)miktoolman.plus.net> gurgled happily, sounding much
like they were saying:

>>> > Being hit whilst parked costs me more a year than 2xFPNs.

>>> Should depend on who pays for the repair.

>> Her insurance is paying, in their words "so you won't need to make a
>> claim"

> Clearcut in your case, as you know who caused the damage, but if you
> didn't, and claimed off your own insurance, assuming you have a fully
> comprehensive policy, it could affect your premium, which might be the
> point that Adrian is making.

It isn't. Mine was just as clear-cut as Carl's.

My NCB is untouched. It's down as not-at-fault. BUT - it's a claim
involving my car, which affects my risk. Apparently.
From: Miike G on

"Adrian" <toomany2cvs(a)gmail.com> wrote in message
news:7se27eFgmbU1(a)mid.individual.net...
> "Miike G" <miktoolman(a)miktoolman.plus.net> gurgled happily, sounding much
> like they were saying:
>
>>>> But hey, they called me and admitted liability and arranged a repair.
>>>> so it isn't me or NCD that is suffering.
>
>>> Your premium will still suffer, though.
>
>> I doubt it. IME 'no fault' accidents, paid for by 3rd parties insurance
>> has no affect on ones premium.
>
> I wish my experience agreed... Over 5yrs, it's debatable whether it'd
> have been cheaper for me to pay to do it as a cash job myself.
>
>>> Being hit whilst parked costs me more a year than 2xFPNs.
>
>> Should depend on who pays for the repair.
>
> In my case, the other driver's insurance. No arguments from them.

Sounds like you need to try a different insurance Co.
I had someone run into the back of my car a couple of years ago. 5 series
BMW. Over �500 for a new bumper plus respray etc.
Didn't affect my premium or my protected NCB status.
The same result years earlier when a car drove into the front wing of my SD1
Vitesse.
Mike.


From: Adrian on
"Miike G" <miktoolman(a)miktoolman.plus.net> gurgled happily, sounding much
like they were saying:

>> In my case, the other driver's insurance. No arguments from them.

> Sounds like you need to try a different insurance Co.

That was common across a large number from a comparison site.
From: Chris Bartram on
Miike G wrote:

> I doubt it. IME 'no fault' accidents, paid for by 3rd parties insurance has
> no affect on ones premium.
>
I beg to differ. SWMBO's insurance went up by �28 when we disclosed the
(non-fault) accident I had in 2008- I'm a named driver. Mine also went up.
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