Car Insurance Claim

If you wanted to be completely legit you would have to forfeit your excess for each incident (presumably x 4). You might also be disallowed because you didn't report it when it happened. You will also lose any NCB you have.

In short - not worth it.

I expect that your insurance company would love for you to claim. Even if you have no claims protection, you must declare any claims next year and they will load your premium to get the money back. If you don't declare the claim, they'll take your money knowing they can invalidate the policy because you didn't tell them what they already know.

Years ago I claimed 150 for a stolen radio. At the time I had 2 years NCB. I lost this of course. The next premium, instead of going down, was 100 more, the one after was 50 more than I paid before the claim. At the time, I naively asked the insurance company whether I should claim or not. Today I always choose the cheapest insurance and plan not to claim even if the car is stolen.

Probably not as it didn't happen on the highway. Not worth it anyway as you will only do it again. :-)

It doesn't have to be on the highway, but it'll be a fraudulent claim as you will be expecting them to agree that all the accidents happened at once. That will reduce or eliminate your NCB and help towards raising motor policy premiums all round. You'd have to claim each one as a separate accident.

Rob Graham

I take a similar approach after being a victim of several attempted thefts where the criminal got away scot free and I, essentially, received a 2 year fine through loss of NCB and having it affecting my premiums for however many years after that.

I use insurance for emergency use only by having a large excess and only claiming if it would put too much of a dent in my savings. I've also found the subsidised (because it makes life easy for the insurer) legal cover to be useful for claiming when I was hit by an uninsured driver.

Daytona