Car - NCD lost due to being hit by person without insurance?

redsheeps · 24-09-2022 1:33pm #1

Hit by a driver without insurance a few years ago. 100% their fault and this was acknowledged and accepted by insurance. Car was in bad shape but was repaired. Was dealt with through MIBI. Until now have stayed with the insurance company the car was insured with when hit.

Before this accident it was 10+ years of no claims (never had a claim ever). Went to move insurance and am told that the NCD only goes back to the time of this accident, because they view this accident as a claim even though it was 100% the fault of the other driver.

Is this accurate? This seems crazy to me that the innocent part gets messed about like this and loses their NCD when the accident wasn't their fault at all.

The AA does state: "Even if you have an accident that wasn't your fault – you're hit by an uninsured driver, or your car gets stolen – you could lose your NCB, and your premium could even go up at renewal."

This seems like BS...

GM228 · 24-09-2022 2:14pm

Was it an identified uninsured driver or unidentified?

If identified your NCD must be protected under the rules of the MIBI No Claims Discount Protocol.

In the case of an unidentified uninsured driver then there is no protection afforded to your NCD.

See S3:-

https://www.mibi.ie/_fileupload/MIBI_NCB_Protocol_2021%281%29.pdf

Eggs For Dinner · 24-09-2022 8:51pm

https://www.boards.ie/discussion/comment/119659510#Comment_119659510

100%. The 3rd party must be identified and confirmed as uninsured. After that, you cannot be prejudiced

redsheeps · 25-09-2022 1:53pm

https://www.boards.ie/discussion/comment/119659510#Comment_119659510

https://www.boards.ie/discussion/comment/119661061#Comment_119661061

To ask a really stupid question. The person who hit the car remained at the scene and I believe was 'identified' because they were sent a summons to attend court but never turned up and disappeared. They were a foreign national and I believe they left the country to avoid the whole situation. Would this be regarded as the person being identified?

Eggs For Dinner · 25-09-2022 2:16pm

https://www.boards.ie/discussion/comment/119663113#Comment_119663113

By identified as uninsured, I mean the person liable must be confirmed as not being insured to drive the vehicle which caused the accident. If this has been decided in court in his absence, your insurer should have followed this up with Gardai and then dealt with it under the MIBI protocol

Car - NCD lost due to being hit by person without insurance?

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