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Smashed windscreen at soccer. Who's responsible?

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    #32
    NUTLEY BOY
    Registered Users Posts: 2,344 ✭✭✭NUTLEY BOY


    Victor wrote: »
    While the insurer you are with might not consider the no claims bonus unaffected, other insurers will.

    And there is the point - read the policy as insurers do vary in their terms and their interpreatations.


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    #33
    mikeybrennan
    Closed Accounts Posts: 869 ✭✭✭mikeybrennan


    NUTLEY BOY wrote: »
    And there is the point - read the policy as insurers do vary in their terms and their interpreatations.

    but is it the point?

    surely you will carry the full NCD forward if the windscreen cover is an extra on your existing policy


    how can it be misinterpreted by a new insurer if you still have it?


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    #34
    [Deleted User]
    Posts: 0 ✭ [Deleted User]


    Joeseph Balls wrote: »
    Just to add, a few years ago my mother got her windscreen replaced. All was fine until she went to switch insurers two years later and had 'a claim' made. Just read the small print I suppose.

    When I switched insurer, the new insurer tried the same thing with me. I showed them with my renewal quote that my NCB was unaffected and was still at its maximum. They requoted me with a lower price.

    I reckon insurers just try to get away with it if they can.


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    #35
    Sue Pa Key Pa
    Closed Accounts Posts: 2,060 ✭✭✭Sue Pa Key Pa


    mikeybrennan wrote:
    surely you will carry the full NCD forward if the windscreen cover is an extra on your existing policy


    Just generally speaking and I've said this before, the whole process of NCBs is a marketing tool by insurers and have no legal basis. Any insurer can ignore your bonus, even if you never had a claim in 50 years. Just be concerned about the premium & terms of the policy.


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    #36
    grogi
    Registered Users Posts: 8,615 ✭✭✭grogi


    Sue Pa Key Pa wrote: »
    Just generally speaking and I've said this before, the whole process of NCBs is a marketing tool by insurers and have no legal basis. Any insurer can ignore your bonus, even if you never had a claim in 50 years. Just be concerned about the premium & terms of the policy.

    It is not just marketing tool. It is used to qualify risk as well.

    A driver with 5 years NCB is considered lower risk than otherwise identical driver without any NCB. The one without NCB very often will not be even quoted.


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    #37
    1874
    Registered Users Posts: 2,400 ✭✭✭1874


    Basil3 wrote: »
    Maybe, but I was paying €600/year in the year I claimed for a windscreen. The following year I got my insurance down to €350.

    Who were you with and who did you move to! any other details/circumstances which affected the quote?


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    #38
    [Deleted User]
    Posts: 0 ✭ [Deleted User]


    1874 wrote: »
    Who were you with and who did you move to! any other details/circumstances which affected the quote?

    Sorry, had to double check. Actually went from €600 to €415. ~€350 must have been when we paid the balance after initial deposit.

    Went from 123.ie (quote for renewal was over 1k) to its4women. Unfortunately, not gonna be the same this year, as the Mrs has had an 'incident' :D

    Oh, and also used a €35 discount code found online.


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    #39
    Sue Pa Key Pa
    Closed Accounts Posts: 2,060 ✭✭✭Sue Pa Key Pa


    grogi wrote: »
    It is not just marketing tool. It is used to qualify risk as well.

    A driver with 5 years NCB is considered lower risk than otherwise identical driver without any NCB. The one without NCB very often will not be even quoted.

    It has fallen into casual use as a risk assessment feature. My point is that it is not a legal document and does not have to be considered by a potential insurer

    As for your example, a driver of 20 years (claim free) under an open fleet policy would be considered a lower risk, but he has no paper to back it up.

    Both drivers have an equal prospect of having a serious accident today, a NCB does not make you immune.


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