Hello,
My father is insured through a brokerage with one one of the biggest insurers in the UK. Around three weeks ago he was involved in an accident where the driver tried to overtake him while he was making a right turn. Insurers say that at best they will share fault. Now the brokerage states that if the claim is settled at share fault, my father would lose all his NCD, instead of scaling it down. The motor insurance policy of the insurer states no such thing. The only thing which is stated is that at if a claim occurs, the NCD will be scaled down by two years, nothing said about "at fault". When the insurance started the NCD was 4 years and according to the policy it should be scaled back to 2. Am I missing a fine print anywhere or the insurers are just trying to fool us?
Regards,
V
My father is insured through a brokerage with one one of the biggest insurers in the UK. Around three weeks ago he was involved in an accident where the driver tried to overtake him while he was making a right turn. Insurers say that at best they will share fault. Now the brokerage states that if the claim is settled at share fault, my father would lose all his NCD, instead of scaling it down. The motor insurance policy of the insurer states no such thing. The only thing which is stated is that at if a claim occurs, the NCD will be scaled down by two years, nothing said about "at fault". When the insurance started the NCD was 4 years and according to the policy it should be scaled back to 2. Am I missing a fine print anywhere or the insurers are just trying to fool us?
Regards,
V