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Reported accident to insurer but didn't claim for costs. Will NCD be affected?

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  • 30-03-2017 2:10pm
    #1
    enter_name
    Registered Users Posts: 23 ✭


    Hi,

    I had a minor accident recently and reported this to my insurer but decided to cover the costs myself thinking that this would mean my NCD wouldn't be impacted. Is this the case? If I don't claim for damages and repair it myself do I still lose NCD?
    Thanks


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    #2
    enter_name
    Registered Users Posts: 23 ✭enter_name


    Also, just wanted to mention that no other cars were involved and there was no damage done to public property or anything other than my car.


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    #3
    grogi
    Registered Users Posts: 8,615 ✭✭✭grogi


    enter_name wrote: »
    Hi,

    I had a minor accident recently and reported this to my insurer but decided to cover the costs myself thinking that this would mean my NCD wouldn't be impacted. Is this the case? If I don't claim for damages and repair it myself do I still lose NCD?
    Thanks

    No, you don't loose it.

    You are obliged to inform the insurer about any accident that might generate payment, but as long as no claim has been made, the NCD is not affected.


  • Options
    #4
    enter_name
    Registered Users Posts: 23 ✭enter_name


    Deleted duplicate post


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    #5
    enter_name
    Registered Users Posts: 23 ✭enter_name


    grogi wrote: »
    enter_name wrote: »
    Hi,

    I had a minor accident recently and reported this to my insurer but decided to cover the costs myself thinking that this would mean my NCD wouldn't be impacted. Is this the case? If I don't claim for damages and repair it myself do I still lose NCD?
    Thanks

    No, you don't loose it.

    You are obliged to inform the insurer about any accident that might generate payment, but as long as no claim has been made, the NCD is not affected.
    OK, thanks for the reply. Why even bother mentioning it so? Will it be recorded on your record for future insurers to see? Will it have any negative impact on the cost of your future premiums with the current insurer or others?


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    #6
    galwaytt
    Registered Users Posts: 12,776 ✭✭✭✭galwaytt


    enter_name wrote: »
    grogi wrote: »
    enter_name wrote: »
    Hi,

    I had a minor accident recently and reported this to my insurer but decided to cover the costs myself thinking that this would mean my NCD wouldn't be impacted. Is this the case? If I don't claim for damages and repair it myself do I still lose NCD?
    Thanks

    No, you don't loose it.

    You are obliged to inform the insurer about any accident that might generate payment, but as long as no claim has been made, the NCD is not affected.
    OK, thanks for the reply. Why even bother mentioning it so? Will it be recorded on your record for future insurers to see? Will it have any negative impact on the cost of your future premiums with the current insurer or others?

    Depends on the case: if you were in any kind of accident that there was a risk of subsequent claim against you, then that's when reporting it in particular would probably be wise.

    But if you bump into your own garden wall or something there's no need.

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