#Word vs word insurance fax loss full#
“My No Claims Bonus will only be affected if an incident was my fault.” We need to know everything that goes on with your car so we have all the information should a third party wish to claim against you. You must tell your insurance company of any incident involving your car, even if you don’t make a claim. The reason insurers do this is to keep costs down, which makes good sense and makes it easier for everyone involved. You’re involved in an incident that wasn’t your fault, the third party admits this, and their insurer is offering to deal with your damage and any other losses you may incur. “I want to claim from the other party's insurance so won’t have to tell my insurer.” So, while the timescale is a grey area, rest assured we will endeavour to make the claims process as quick and smooth as possible. When it comes to claims, it’s impossible to pinpoint a deadline - we could be waiting for more evidence to come in or for various other companies to contact us. The 90-day timescale comes from ‘old school’ injury claims and is no longer applicable. While we want to get liability and the claim settled as soon as possible, it’s not always possible to do this in 90 days. “Liability takes no more than 90 days to settle.”Īll claims are different and finding out who’s to blame for an incident is not always straightforward. However, you still need to declare this to any future insurers. Your No Claims Bonus (NCB) is not affected if you’re not at fault for an incident and we recover all the money back from the third-party insurers. It’s still classed as an incident even if you haven’t made a claim. This is why we ask ”have you had any claims or incidents, regardless of fault, within the last three years?” These rating factors constantly change, so we can’t tell you if a certain element will affect your premium. We base insurance on risk and statistics, and every incident you have is rated at renewal, regardless of fault. “Will a non-fault accident affect my insurance?” We always recommend that you don’t leave any valuables in your car. You can only claim part of goods value if your car gets stolen and your laptop, pram, designer purse and latest smartphone are inside.Ĭontents cover for cars is very different to home contents cover and varies between insurers so make sure you carefully read your policy documents. “I can claim for all the items that were in my car when it was stolen.”
But don't worry, give us a call on 03 and we can advise you. If you have an incident involving an uninsured driver, we may not be able to recover your excess for you. Third-party insurers will repay 50% of your excess. If it's proven the accident was the other person's fault and we recover the full cost from their insurer, the excess is refunded, so you don't lose out. The only way your excess can be waived is if the third-party insurer admits liability (this is specific to us). If you don’t claim but a third party does, and we pay out, you don’t have to pay your excess.Įxcess is always payable when you make a claim. We’re often asked: “do you pay excess if not your fault”? It depends. It’s the amount you pay (or we hold back) in the event of any claim, regardless of who's to blame for the incident. We often get lots of questions about excess it’s usually not something you think about until you need to pay for it. Car insurance claims myths “It wasn't my fault, so I won't have to pay my excess.”
#Word vs word insurance fax loss free#
There are lots of myths surrounding claiming, and we’re here to disprove eight of them.įeel free to call us at 03 too. We like to make sure our customers have all the knowledge they need around claiming to help make life a little easier. For our car insurance customers who need to claim, our opening times and emergency contact numbers are on our claims page.
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