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Check your policy document. I had a low speed bump in my partners car - they took 2 years off her no claims discount which wasn't protected.
Bear in mind that the NCD is a % of the risk they calculated. With 17 accident free years your risk was lower than it is now with 0 accident free years so the base premium will rise next year then they'll apply the NCD to that higher value.
If you keep the car then your risk also goes up, it's a proven fact in motor insurance that once an owner has bumped their car they are statistically more likely to have another accident in the same car.
What will it actually cost? Hard to say, my own insurance went from £200 to £250 fully comp on a Golf GTi, I'm 45 with a similar accident free record until last December but then everyone's insurance has been going up year on year so some of that might have been coming anyway.
Try not to panic about it. If they suggest writing off your car then ask them for the salvage value. It might be worth doing the work any way but bear in mind that once your car has been written off it will also affect it's (negligible) value and probably it's insurance risk too.
What is an insurance write-off? Your Guide to Cat A, B, S (C) & N (D) | RAC Drive |
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