wobbly
Well-Known Member
Ok, its been discussed here about my cyclist incident last year, basically cyclist comes out of cycle lane into side of my car, blames me.
I have been told by my broker (AF) that until its resolved my insurer views it as blameworthy on my part, and I lose 2 years ncb - I had max of 5, so I drop to 4 as the current year is the other 1.
Broker told me a few weeks back that my insurer - Aegis - allow one blameworthy accident before loading premium.
So, this year should be similar to last, but with only 4 years ncb instead of 5.
Once matter is resolved as non-blameworthy I get the extra excess back.
No real issue with it, if thats the system then so be it. I thought I had ncb protection, but it seems what I took out was 'excess protection', shame but again as I can claim extra payment back no real issue.
Here's where it becomes interesting.
Aegis actually arent so keen on me as I now have a blameworthy accident.......and have given a quote so ridiculously high it didnt make it into top 10 of AF's list !!
I have supplied Aegis claim dept with my in-car video which shows the cyclist to blame, and they have written back to me confirming that they hold the cyclist 100% to blame.
In order to defend the claim they need me to attend court as a witness.
Thats likely to be in more than a years time.
So, by the time the court case comes round, I will (hopefully!!) be back up to 5 years ncb.
To top it off, AF have switched me to an insurance company whose quote was actually lower than Aegis this year.....
So what incentive is there for me to help the insurance company out? Absolutely none whatsoever.
I will go through with it, purely because the cyclist is taking the pi$$ out of me, but I may lose interest and decide its not worth losing a days money to attend court.
I am going to put some thought in to my email to Aegis....
Pete
I have been told by my broker (AF) that until its resolved my insurer views it as blameworthy on my part, and I lose 2 years ncb - I had max of 5, so I drop to 4 as the current year is the other 1.
Broker told me a few weeks back that my insurer - Aegis - allow one blameworthy accident before loading premium.
So, this year should be similar to last, but with only 4 years ncb instead of 5.
Once matter is resolved as non-blameworthy I get the extra excess back.
No real issue with it, if thats the system then so be it. I thought I had ncb protection, but it seems what I took out was 'excess protection', shame but again as I can claim extra payment back no real issue.
Here's where it becomes interesting.
Aegis actually arent so keen on me as I now have a blameworthy accident.......and have given a quote so ridiculously high it didnt make it into top 10 of AF's list !!
I have supplied Aegis claim dept with my in-car video which shows the cyclist to blame, and they have written back to me confirming that they hold the cyclist 100% to blame.
In order to defend the claim they need me to attend court as a witness.
Thats likely to be in more than a years time.
So, by the time the court case comes round, I will (hopefully!!) be back up to 5 years ncb.
To top it off, AF have switched me to an insurance company whose quote was actually lower than Aegis this year.....
So what incentive is there for me to help the insurance company out? Absolutely none whatsoever.
I will go through with it, purely because the cyclist is taking the pi$$ out of me, but I may lose interest and decide its not worth losing a days money to attend court.
I am going to put some thought in to my email to Aegis....
Pete