29-08-2011, 06:33 PM
Hi all
I've searched high and low on the net for an answer to my question but nothing comes up. Basically, I'm insured with Allianz and currently have a rating 1 no claim bonus. The other day someone drove into my car in a carpark while I wasn't there. Didn't leave a note, there were no witnesses, etc. I'm thinking of making a claim as the damage is about $2.5K. If I make a claim however I will lose my rating 1 (as it's not protected).
My question is, when exactly do I lose my no claim bonus rating? At the time I make the claim or at the time my policy comes up for renewal (which is in Feb next year)?
I want to change insurers after I have made this claim but I don't know what to tell the new insurers about my rating (i.e. is it a 1 or a 3 which Allianz will put me down to due to this claim). Allianz tell me that my rating drops at renewal but I'm not convinced. Shouldn't it drop as soon as you make a claim?
I don't want to give the new insurer the wrong details and then have a future claim refused.
Not sure what to do, sort of confused about this.
Thanks <img src='http://www.melbournechat.org/public/style_emoticons/<#EMO_DIR#>/smile.gif' class='bbc_emoticon' alt='
' />
I've searched high and low on the net for an answer to my question but nothing comes up. Basically, I'm insured with Allianz and currently have a rating 1 no claim bonus. The other day someone drove into my car in a carpark while I wasn't there. Didn't leave a note, there were no witnesses, etc. I'm thinking of making a claim as the damage is about $2.5K. If I make a claim however I will lose my rating 1 (as it's not protected).
My question is, when exactly do I lose my no claim bonus rating? At the time I make the claim or at the time my policy comes up for renewal (which is in Feb next year)?
I want to change insurers after I have made this claim but I don't know what to tell the new insurers about my rating (i.e. is it a 1 or a 3 which Allianz will put me down to due to this claim). Allianz tell me that my rating drops at renewal but I'm not convinced. Shouldn't it drop as soon as you make a claim?
I don't want to give the new insurer the wrong details and then have a future claim refused.
Not sure what to do, sort of confused about this.
Thanks <img src='http://www.melbournechat.org/public/style_emoticons/<#EMO_DIR#>/smile.gif' class='bbc_emoticon' alt='
' />