11-07-15, 02:42 PM
Without saying too much on line...our car was hit whilst unattended and the culprit has admitted everything. Progressing matters through their insurance including hire car etc.
What concerns me is for the next 5 years we will have to declare a claim and whist we have been assured our no claims will be unaffected it doesn't stop the base premium being increased.
We also now have a car that presumably will be recorded as having a cat d repair which will reduce its value on the second hand market.
So am I faced with 5 years declaring an accident that could be affecting all my policies including the Fazer and can I claim against this hidden loss?
What concerns me is for the next 5 years we will have to declare a claim and whist we have been assured our no claims will be unaffected it doesn't stop the base premium being increased.
We also now have a car that presumably will be recorded as having a cat d repair which will reduce its value on the second hand market.
So am I faced with 5 years declaring an accident that could be affecting all my policies including the Fazer and can I claim against this hidden loss?