Betty Crocker
Registered User
- Messages
- 8
No change in circumstances other than the claim.
That is a very significant change in circumstances though.
Brendan
I thought claims loading wasn't allowed?
Fast forward to August and I get a call from AIG telling me that the other guy and his passenger are claiming for personal injury. AIG said they would try to settle it outside of the Injury Board but I haven't heard anything since. They also said they would claim some of the costs from my own insurance company (Liberty).
It may be that mathepac is correct for the scenario outlined where two cars were involved in the accident but I can confirm that in my own case this is not correct. I was driving my wifes car, had an accident, rang the insurance company, and was informed that my wife should claim of her policy. Her policy was affected (same idea as Betty, the premium is loaded before applying the NCD) but mine was not. We are both named drivers on each others policies. Both policies were with the same insurance company at the time if that might make a difference.So if a couple have two cars, they are better off driving their own cars as much as possible?
If the husband has a crash in his car, only he is affected.
If he crashes his wife's car, they both lose their NCB?
Brendan
NCD protection seems to be a huge con. They load your premium instead, discount means nothing.
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