pauljmcnulty
Active member
Paul, I understand your point at being fair, but its a common mis-conception that NCB will be lost and excess be paid, you only pay excess or lose no claims when claiming on your own car. Third party claims never have excesses or lose NCB for this very reason, no one would ever claim fearful of the loses, the only thing he would have to do is declare the accident to his insurers and he wont have to pay a thing for you car to be repaired.
That does sound odd? If he has an accident, admits liability, and claims the repair of my car on his policy, surely he'll lose his NCD and have to pay the excess, along with having a claim on record?
If he pays me some money directly to repair it, as if he'd bumped in to it with a shopping trolley or his kid's bike had scratched it, there's no claim so no loss of NCD. Of course we both should advise our insurer of the minor incident for their records, which shouldn't affect either of us.