If you pay the money yourself, the third party could still come back and claim off your policy.
then repay that and keep your no claims.
Just a few observations ;
1. OP is obliged under contract to notify his motor insurers.
2. OP is obliged under statute to notify his motor insurers.
3. OP is prohibited under his policy wording from negotiating with the other party.
5. When the claim is settled OP may request his insurers to allow him to reimburse their outlay.
Does this apply to all car insurance policies in ROI? I was under the impression they always had to be reported on renewal time, but not necessarily before that.
In this case, if OP is willing to reimburse the insurance company, must the insurance company accept the reimbursement?
And thus, is the NCB unaffected? Or can the insurance company still raise the NCB?
By "everything in writing", do you mean with the insurance company itself?
Yes. I have an inherent mistrust for the insurance industry. If you want to rely on their word that a certain course of action won't affect your NCB, ask them to put that in writing so that they don't forget about it when renewal time rolls around.
Interesting. What I normally do is record the date I was told a given information on the phone, since all calls are recorded.
They're not obliged to keep recordings for any period, at least when you have it in writing, you're in control.
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