[dontfollowme]

On Thursday evening I had my car stolen. This was recovered in the early hours of Saturday morning whilst being driven and recovered to a local garage. Whilst the car was in the thieves possession they tinted the windows.

Now I am in a position of whether to claim on my car insurance or not. If I do I pay a £200 excess, lose 2 years NCD and see my premium increase by £250 on the basis I have the car repaired. The other option is not to claim but to pay to get the locks sorted which is around £200 + the cost of the storage at this garage and then part ex it for something else.

The benefit of this is I keep my NCD which will be 3 in July and don't have a theft claim against me...

[Paul B]

can I ask how old you are and if you have any prior claims?

[cowboyhat]

If you can avoid it, don't claim.

[dontfollowme]

can I ask how old you are and if you have any prior claims?

26, 27 in May. No prior claims except a glass claim which I understand doesn't affect NCD.

[sjw]

I'm voting don't claim.

[Drew]

If I do I pay a £200 excess... The other option is not to claim but to pay to get the locks sorted which is around £200 + the cost of the storage at this garage and then part ex it for something else.

So it's gonna cost you 200 notes anyway? No point in claiming that I can see.

[dontfollowme]

I might leave the locks as they are, find the spare key and then part ex it as it is. Annoyingly, I had around £500 of stuff in the car at the time which I can only claim up to £100 for.

Definitely erring on the side of not claiming at the moment.

[Jim]

Seriously, don't claim if you can help it. Glass claims doesn't effect your NCB.

I lost 4 years NCB a while ago and am still regretting it now, went a long way out of my way to avoid it but the other guy was a cunt and put a claim for whiplash in even tho I hit him at less than 10mph and did zero damage to his car. Worked for the AA as well - arsehole association IMHO

[Paul B]

don't claim I reckon.

[GCW]

Yeah, I'd go with not claiming too.