[Mothshadows]

If you have protected no claims and you, say scratched your car on a wall, would your insurance cover the cost, or do you have to pay something towards it?

[Beelzebub]

Originally Posted by Mothshadows

If you have protected no claims and you, say scratched your car on a wall, would your insurance cover the cost, or do you have to pay something towards it?

If you had a comprehensive policy, then your insurance would cover it. But you would have to pay any excess: almost everyone has an excess, usually more than a scratch would cost to repair.

If you had protected NCD then such a claim wouldnt affect your NCD, but you'd have a fault claim on your record which would probably increase your base premium.

[Mothshadows]

Thanks for the info. So with or without NCD you would have to pay the excess?

[Santa]

Since there is no third party to claim from, it's hard to understand why you think you wouldn't have to pay the excess. Excess and NCD are two totally different things.