Norwich union vandalism claim

[ricey1986]

hi was wondering if someone on here could help me. Someone has keyed my car and left my front wing in a mess. Was just wondering if my no claims will be affected if i made a claim on my norwich union car insurance? any help will be greatly appreciated.

Many thanks Lee

[kennythecelt]

Hello Lee

A warm welcome to CAG.

Before we start dealing with your query can you please quickly edit your post to delete the swear word as this is against the forum rules which you should have read when you registered.

This forum is public and read by people of all backgrounds.

Thanks, Kenny

[kennythecelt]

The forum rules are in this link:

http://www.consumeractiongroup.co.uk...s-please-read/

[gyzmo]

Well it will count as a claim on your policy if they cannot trace the person who done it and get he money back.

chances are they will not be able to do so. So yes, it will count as a claim and in the absence of NCD protection, it will affect your no claims.

[ricey1986]

think i will wait till i renew my insurance with direct line and report it then as i know they do vandalism cover that dont affect my NCD. Thank you

[kennythecelt]

Thanks for amending the earlier post and good luck with this Lee.

Regards, Kenny

[gyzmo]

Originally Posted by ricey1986

think i will wait till i renew my insurance with direct line and report it then as i know they do vandalism cover that dont affect my NCD. Thank you

If yo intend to claim of a new insurer - this won't happen. the policy that you have now is the one that covers your for the incident, regardless of who you are with in the future. The only other way would be to lie about when the incident happened. This is not advocated here, and if you did do this the insurer will simply see that the damage has "aged" and will reject the claim anyway. In such a case, as a fraudulent claim has been attempted, they could very well collect all you premiums and cancel cover immediately.

Another aspect is that you have a duty to notify your insurers of anything that could give rise to a claim, regardless of whether you intend to claim yourself, so you certainly need to notify Norwich Union anyhow.

Finally, it has been a while since I last worked in insurance. The advice I gave before was generalised. I am not aware of DL or other insurers allowing vandalsim claims without affecting your NCD or the policy. If this is the case, it could be that NU offer a similar provision. You will need to check your policy, but there is also an insurance forum on here which has a Nowich Union sub forum.

It may well be worth posting there for a more definitive answer on taht particular matter.

[Helford]

Ricey,

Frequently the insurer will also require such damage to be reported to the Police before dealing with a claim such as this.

Bottom line, as Gyzmo has said, witholding the claim until you are with a new insurer as outlined and then claiming is out and out fraud and given that you will probably have to make a fraudulent Police statement as well only compounds the crime(s) as well.

Do bear in mind that even claiming now will be subject to your policy excess as well.

I would VERY seriously advise against this course of action and do bear in mind that this is a public forum and insurance industry staff do view the same, including myself!

H