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Insurance renewal question regarding claim

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rizel
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Joined: Sun May 15, 2011 5:05 pm

Insurance renewal question regarding claim

Post by rizel » Sun May 15, 2011 5:36 pm

Hi guys,

I have a question regarding the number of claim during insurance renewal.. hope anybody out there can advise or answer my question.

Usually when doing insurance renewal, they will ask you how many claims made during the last 3 years... so the questions is what constitute as a claim..

1) does 3rd party claim against another person also count as a claim?

2) if another person claim 3rd party on me but i didnt claim own damage, counted too?

appreciate if anyone can answer this.. thanks!

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Simchuan86
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Re: Insurance renewal question regarding claim

Post by Simchuan86 » Wed May 18, 2011 9:21 am

rizel wrote:Hi guys,

I have a question regarding the number of claim during insurance renewal.. hope anybody out there can advise or answer my question.

Usually when doing insurance renewal, they will ask you how many claims made during the last 3 years... so the questions is what constitute as a claim..

1) does 3rd party claim against another person also count as a claim?

2) if another person claim 3rd party on me but i didnt claim own damage, counted too?

appreciate if anyone can answer this.. thanks!
1) Technically, Not counted but if the third party claim is alot for the policyholder. You might be surprised that some insurance company choose not to renew with them even those claim are not due to PH fault. If you talking about Aviva quote..be it third party claim, ppl claiming against your policy or a private settlement case. All these claims will be counted. Anything more than 2 cases they will not take in.

2) Yes, it is counted as 3rd party is claiming against your policy and your NCD will drop as well.

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Shaun
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rizel
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Joined: Sun May 15, 2011 5:05 pm

Post by rizel » Wed May 18, 2011 8:29 pm

now i get it.. thanks for your answer!

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