This is going to sound a stupid question but having had some dealings with insurere that were less than locical I 'll ask anyway.
If I make a claim and it is rejected, does this affect my NCD .
Similarly, if I make a claim and the insurer offers less than the full amount claimed and I reject this offer what about the NCD .
Logically since they will have not paid out under either of these scenarios the NCD status should not be affected. But I would have actually made a claim, and so might be taken to have affected the NCD ?
Hopefully someone will know and advise.
My NCD is on maximum discount and is 'protected' for a fee and there is a voluntary excess.
But tmy estimate for the possible claim would be 5 or 6 times the excess.
If I make a claim and it is rejected, does this affect my NCD .
Similarly, if I make a claim and the insurer offers less than the full amount claimed and I reject this offer what about the NCD .
Logically since they will have not paid out under either of these scenarios the NCD status should not be affected. But I would have actually made a claim, and so might be taken to have affected the NCD ?
Hopefully someone will know and advise.
My NCD is on maximum discount and is 'protected' for a fee and there is a voluntary excess.
But tmy estimate for the possible claim would be 5 or 6 times the excess.