Ask Honest John

Honest John Ask Honest John » Insurance claim - will I lose my no claims?
What is life like with your car? Let us know and win £500 in John Lewis vouchers | No thanks

Insurance claim - will I lose my no claims?

A lady scratched our car while it was parked at a supermarket and we settled on a figure of £250 for the repair.

However because this is more than her excess which I believe is £200, she now wants to settle the repair through her insurance company. Would sorting this claim through the insurance jeopardise our rating and premiums even though this is not our fault?

Asked on 13 March 2014 by Phil Davies

Answered by Honest John
Yes. It will go down as a no fault claim.

We give you the low down on how to save on insurance, little-known tricks and tips, what insurance groups mean and how to use insurance aggregators to beat insurers.

Insurance group finder and how to save on insurance
Similar questions
I've got fully comprehensive insurance with Tesco. A small deer ran into my car and caused £1500 damage to driver's side. Tesco said originally that it would not affect my no claims (only one year) or...
In December, our car was showered in gravel from a lorry that sped by. Our windscreen was cracked and the stones left my driver door and bonnet covered in stone chips. My insurer, LV, are treating this...
I saw you mention to someone else that it may be possible to claim for future increases in premiums due to another driver's error. Its been my intention to keep all potentially insurable events a secret...