Our vehicle was deemed as a total loss as a result of a not-at-fault accident. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW. 7 MB. The details of the person driving the at-fault vehicle 2. However, you are still at least entitled to 12 months of benefits. ProductReview. Start and track your claims, get a new quote or retrieve saved quotes, update. Hi Greg, yes our claims dept have advised the car is at fault in this scenario. If I was asked to pay the $15,000, I would demand rights to the salvaged car in exchange. To find out which excess type applies to your policy. An insurer will usually let you know the details they want when the claim is lodged either online over the phone or via a. Start a claim. "Any claims determined not at fault where you can provide the name, residential address or. Car is going in for 9 days. 5/5 for customer service. • If your claim is denied. Hit a Kangaroo = new front bumper new intercooler = All OEM parts. The insurance company of the person who caused the accident will be responsible for covering the cost. User #202456 20446 posts. ABN 11. It is paid each time you register your vehicle [Motor Vehicles Act 1959 (SA)]. Start a claim. Claims handling. Contact CTP Assist on 1300 656 919 or ctpassist@sira. We don’t limit not-at-fault car hire – keep the vehicle until yours is repaired or written off. Full Comp with NRMA, Hire Car and Windscreen also included. Submit your claim online or completed claim form or forms as soon as possible, within 3 months after the date of the accident, or in the case of a claim for damages or compensation to relatives within 3 years of the motor accident. 1300 889 256. If you need help to fill in the form, your CTP insurer can assist you. Service was amazing. being considered at-fault states. User #64128 333. Under the CTP At-fault Driver cover, we pay an amount if . For an uninsured at fault driver (up to $5,000) Emergency repairs . Get a hire car for up to 21 days (up to $75 a day) if you are unable to use your vehicle as the result of an incident. My limited experince is one at fault claim, 2 cars written off. Depending on where you live, CTP car insurance may not cover you for your. No discernable change in premium. We're available 24 hours a day, 7 days a week. He was being really evasive about providing his insurance details, so eventually, I lodged a claim through my comprehensive insurance with NRMA. These are: Hire car after any covered incident, whether at fault or not (automatically included with Comprehensive Plus) No excess on windscreen or window glass claims (automatically included with Comprehensive Plus). Start a claim. Is this normal or did she just luck out on a lazy phone agent? We have details of the other party as the police were called and there is a police incident number. you'll need to send a letter of demand to the at fault party. If your car is damaged by an incident where you weren’t at fault and it cannot be safely driven for repairs, as long as you can give us the name. NRMA Insurance is part of the Insurance Australia Group. Where possible I kept the value insured for the same and excess the same. CTP car insurance covers you against compensation claims if someone is injured in an accident – the injured person is covered for costs, including medical treatments and lost income. Short-Stay Hosts Rideshare. To make a claim for an accident that happened before 1 February 2020, call us on 1800 032 220. Only NRMA Insurance now offers At-fault driver cover. Fast-forward to today. Car & property damages. The other driver is responsible but will do nothing unless you file a claim. au. So, if the accident happened before this date, you need to claim under the previous CTP scheme or our At-fault Driver Cover. A not-at-fault car insurance claim refers to when an incident occurs that you didn’t cause, and you can identify the at-fault party. you need to provide the details needed for NRMA to recover the cost of the claim. No stress. Agreed value, choice of repair, hire car, or windscreen replacement are the main things but at the end of the day you’re paying for the claims experience. 1800 634 686. Email. CTP car insurance is compulsory in Australia, but it works differently in each state. Deliver car to you. Add an option so you can make one claim that’s your fault without reducing. Just ensure you use the same mobile number you have registered on your policy. How much you pay depends on your insurer and the state you live in. An excess usually applies for most claims unless there's someone else we can recover the costs from, like the driver of another car who caused the accident. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this. Category: Documents. Premium went up to about $2k on a $12,600 agreed value car. NRMA Third Party Property Damage Car Insurance covers damage to your car caused by an at fault driver up to $5000. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). But I can only claim from their insurance if they have also lodge a claim to their insurance. Use block letters and print clearly 1. Not sure who’s at-fault in your accident? Talk to an accident management specialist. United Kingdom. Clear as day wasn't my fault (have dashcam footage). Fax: (02) 9375 4583. If you aren’t covered or decide not to go through with the claim, it won’t affect your No Claim Bonus. - NRMA confirmed that at fault party has accepted responsibility that they were at fault. You can claim on your car insurance when you've suffered any loss or damage that your policy covers. “Attach a copy of the quote. View more comments. 8 out of 5 stars from 1,344 genuine reviews (page 8) on Australia's largest opinion site ProductReview. Life and Income Protection) issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. 7 million dollars in benefits have been paid to at-fault drivers, which represented an average payment of $16,196 per claim and 17. NRMA offers this extra cover to differentiate its green slips. Match case Limit results 1 per page. No stress. Who knows what lies they’ve told in their statement? I am a witness and know for a fact the other. To determine who is at fault in an accident, claims adjusters usually talk to witnesses, look at police reports, and review the accounts of the accident from parties involved. Each year at renewal, your policy’s No Claim Bonus is recalculated. I used the app to lodge the claim, car was towed in a day or two, written off and I was paid. NRMA never tried to make contact with the at. Business. you have an at-fault motor vehicle accident when driving your vehicle and you suffer a specified injury or die as amaking a not-at-fault claim can have an effect on the underlying premium even where there is no effect on the NCD rating; and making an at-fault claim can have an effect on the underlying premium in addition to the NCD rating. I lodged a non at-fault claim with my insurance since the other driver was not owing up / contacting their company (they were very vague about if they were covered or not) – my insurance company. So, claim a full write off, then obtain the parts from UK or the car club and repair. We understand that a total loss claim can be unexpected. payment under CTP Driver Protection Cover if the driver is . An Australian woman says she was forced to provide incredible dashcam footage to her insurance provider to prove her daughter was not at fault when her car was hit while. We're here to help. If you have an excess to pay. Please select an option below: Regarding CTP Green Slips. But some types of accidents are clearer in terms of. I had an accident (that was my fault), due to a. Could be Easter holiday delays. NRMA car insurance came in third place in NSW for Customer Satisfaction in 2023. NRMA Insurance (except Travel sold in NSW, QLD, ACT, and TAS, Life and Income Protection) issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. 133 233. Up to $500 if damaged or stolen. Comprehensive Plus. - At fault party also insured with NRMA (not sure of the level of their insurance) - Parents lodged claim. Taxi fares (up to $250) to get you home if your. Agreed value, choice of repair, hire car, or windscreen replacement are the main things but at the end of the day you’re paying for the claims experience. up to $100 per day (to a maximum of 1,000 km per week) after a not-at-fault incident if your vehicle cannot be driven 3. The way insurance calculates the cost of your premium is based on how much of a risk they see you as. With our unrivalled experience, knowledge and expertise in the smash repair industry, we work with all reputable insurance companies to provide a simple, perfect replacement vehicle service that is 100% free and. Get urgent assistance. Wild dashcam footage clears driver from at-fault claim by NRMA. For example, in New South Wales, NRMA and ANZ both offer optional cover for a rental car in case of an at-fault accident and charge a flat amount. If the at-fault driver refuses to pay, you can send them a letter of demand. In my opinion (and I show evidence) the other party was at fault, I had witnesses approach me immediately after the accident and offer their details. Lodge a claim under your own insurance and tell them the details of the at fault party, or if you don't have your own insurance you'll need to send a letter of demand to the at fault party. If you are able to file against the at-fault party, you are. Applying for Early Payment for Medical Expenses B. When you make a car insurance claim, you have an agreed amount which you pay – called an excess. not the driver’s fault, but the cost can’t be claimed from another party – for example, if a parked car is hit and the other driver can’t be found. We don’t limit not-at-fault car hire – keep the vehicle until yours is repaired or written off. This is because the driver at fault in an accident was not covered to the same extent as other people, unless catastrophically injured. Heck they "accidentally" insured me in Vic for 4 years too including a not at fault claim. AAMI take the car away to Gemini - their sole repairer in the ACT - and give us a hire car. 00 as she was not at fault. My question is regarding a car accident where I was not insured but the other party was. Click make. Get a 10% discount if your car is recognised by NRMA as fuel efficient. When I complained to the company owner, he asked me to provide a few quotes and so he could lodge a claim through his insurance. If you are partly at fault you can still claim but your entitlement will be reduced by the extent of your contributory. being considered at-fault states. NRMA Insurance is part of the Insurance Australia Group. Either make the claim on the at fault party's policy and let them handle your damages or make the claim under your policy and let them handle your damages. Not at fault yet NRMA has deemed my partner at fault purely based on the statement of the driver who hit us. Insurance (except Travel sold in NSW, QLD, ACT, and TAS, Life and Income Protection) issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. If you are not at fault in the motor vehicle accident, you might be entitled to make a damages claim. NRMA Insurance is part of the Insurance Australia Group. With Comprehensive Insurance, we pay for a hire car if your car’s stolen or it can’t be driven because of an accident that’s not your fault. You can claim on your car insurance when you've suffered any loss or damage that your policy covers. 1/5 for value for money and 4. Need to make an insurance claim with NRMA? We’ll help you. This form should be provided to the CTP insurer after the first treatment on a claim (other than early intervention treatments). The process of making a not a fault claim was smooth and faultless. Sheen can help if you've had an accident and aren't at fault. This Product Disclosure Statement (PDS) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL. NRMA Insurance can arrange a hire car if your car is stolen, or if it can’t be driven after an accident that’s not your fault 2. 30 November 2022: The NRMA and NRMA Insurance today released its Wildlife Road Safety Report revealing the frequency of wildlife related road accidents and reminding drivers of the safety risks of animal collisions ahead of the busy holiday period. I recently experienced a not at fault car accident. Parents given free hire car for 14 days due to not being at fault. Previously with NRMA/IAG insurance full comprehensive with policy ending on the 13 Jan. This will keep your no-claims discount intact if you make one at-fault claim. For example having a not at fault claim could mean: You're heavy on the brakes at stop lights (more likely to get rear ended). CTP At-fault Driver Policy Claim form Complete this form if the at-fault driver was driving a vehicle with NRMA CTP Insurance and sustained an injury listed in question 5 or died as. Some policies do not require an excess for some types of claims, like windscreen damage. Not my fault car accidents shouldn’t hold you back. Add AAMI Roadside Assist to your Comprehensive Car Insurance for 24 hour unlimited roadside callouts in case of emergencies like flat tyres and batteries, lost or locked-in keys, and towing. states, not-at-fault claims are filed against the at-fault vehicle owner's insurance policy. Furthermore, NRMA lady said that they can hold the claim for me to seek compensation from the at fault driver or their insurance. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this. pl/RdK2vk. Jan 13, 2021. Your call might be answered by one of our glass partners. Evidence. Now they claim $3000 worth of damage including tail lights boot floors and matts and there was just ascratch on the bumper and the right side of bumper had popped. It is called Driver Protection Cover and is included in the price of an NRMA Insurance greenslip. Or, for Motorhome Insurance in other states, select a different state or territory at the top of the screen. It’s easy to stay in control of your insurance with the NRMA Insurance app. Also ask them if you're entitled to any emergency benefits, for example, free car hire or accommodation. To claim for any funeral expenses, lodge with the insurer of the at-fault vehicle: Application for funeral expenses. Code of Practice FAQs. In alone 2020, there were 116 accidents reported due to animal collisions. Could be Easter holiday delays. 3. “The at-fault insurance company rang me and confirmed all the details and they approved it within days, the identical claim to what we put through the NRMA,” she said. Get Australia-wide coverage for less than $86 a year, with no joining fee. This will require at least the name and address of the at fault party. The details of the person driving the at-fault vehicle 2. Cyclone & storm (62) Disaster Ready Fund (3) ICA Annual Conference (4) Indigenous Australians (1) Lenders Mortgage Insurance (2) Resilience Investment (31) Vulnerability & hardship (9) The voice for a resilient Australia. issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. They have 6 years to go to court (except in the Northern Territory, where it is 3 years). you'll need to send a letter of demand to the at fault party. That’s because the at-fault driver (or their insurer, who indemnifies them) is required to pay the costs of the accident. com. I was dumb enough to undervalue the car to try and save premium. Call today. When the claim is submitted, we'll need to speak to the injured person directly. My sister might be driving it every so often, but she's under 24 and had a not-at-fault claim last year. The mother and daughter needed to supply the dashcam footage for NRMA to accept that she wasn't at fault. Car Insurance - Comprehensive Plus. New charges are applied on your insurance renewal date, so you should have some time between filing and actually paying for the surcharge. Yes, if your vehicle is vandalised or damaged whilst parked. Its a not at fault claim, and NRMA have said they don't accept claims for such a small value. at-fault in causing the accident in which they were injured. CTP car insurance is compulsory in Australia, but it works differently in each state. If you need (or think you'll need) more than two treatment sessions, it's important to submit a claim for personal injury benefits. First time making a claim, my partner has experienced a total lack of communication and lack of assessment in the claim from the start. It is also indexed - even though it probably doesn't need to be - it still is. CTP At-fault Driver Policy Claim form Complete this form if the at-fault driver was driving a vehicle with NRMA CTP Insurance and sustained any injuries listed in question 5 or died as a result of the motor vehicle accident. While CTP Insurance covers personal injury claims in an accident, it doesn’t cover the cost of damage caused to your own vehicle or anyone else’s property. 3 We will arrange a rideshare hire vehicle until the vehicle is repaired or claim. Forms - Car accidents. When you have a car accident, contact your insurer as soon as possible. Nothing is going to happen until you make the claim. AAMI Roadside Assist. CTP At-fault Driver is extra cover we automatically provide with your NRMA Compulsory Third Party (CTP) Insurance during your motor vehicle registration period. We're here to help. Apply Online Now. Some policies have time limits for claiming. Seraphin7 on 14/12/2020 - 18:02 +3. CTP At-fault Driver - NRMA Insurance. If you get into an accident, AAMI will do its due diligence and find out you had a claim with NRMA. CTP At-fault Driver Policy booklet QLD . Sydneyswans on 28/12/2022 - 13:26. An Australian woman says she was forced to provide incredible dashcam footage to her insurance provider to. Two months after the accident, the family still don’t have access. So, if your car’s damaged and we decide it can be repaired, we’ll automatically arrange a Partner Repairer to fix it (unless you. com. We need to collect, use and disclose your personal information in order to investigate, assess and pay your claim. At-fault motor claim in last 2 years; Demerit points; Years of relationship; Other motor vehicle insurance; Vehicle safety features e. The No Claim Bonus is a discount that's applied to your premium to reward you for having a good claims history. Be calm and stay safe To help everyone positively deal with the unexpected event, it’s best to stay calm and assess the situation logically by peacefully cooperating with the other drivers. 24/7 claims. However, the amount varies depending on who is to blame for the claim, the severity and expense of the accident, and your overall driving record. It can result from some action they took or because they failed to take an action. The report showed there were more than 900 collisions that caused injuries, ranging from minor. If you have an excess to pay. This is often described as the market value or book value of your vehicle. Business address is Darling Park. Australia. The letter was from the other party lawyer saying we needed to pay for the damages upfront. It is called CTP Driver Protection. Get a 5% loyalty discount when you hold one policy for 3-4 years, 7. Not all accident replacement vehicles are equal – we provide a like-for-like replacement, giving you the comfort and convenience of familiarity. Upload your photos, and we’ll send through a competitive quote as soon as possible. If an NRMA CTP insured vehicle caused the accident, the person injured will need to make a claim themselves. In 2021 had a not at fault claim with work vehicle and it was a nightmare. Jul 14, 2021. 227681 trading as NRMA Insurance. Insurance (except Travel sold in NSW, QLD, ACT, and TAS, Life and Income Protection) issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. I'll send the claim to NRMA with a timeframe and if they ignore it/reject it, I. Aviva has taken it upon themselves to offer the lowest NCD penalty throughout the country, deducting 10% only instead of the usual 30%. Depending on the details of the incident, you may have to pay more than one. Last edited 28/12/2022 - 18:00. Not Supplied Credit: Supplied. D727501 06/14. 0 download. If you were the. In these states, drivers must purchase car. Firstly, if an incident wasn’t your fault and secondly, if your car was stolen. Insurance (except Travel sold in NSW, QLD, ACT, and TAS, Life and Income Protection) issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. The NRMA Insurance app makes it easy to check your policies and know exactly what you’re covered for. What I like is their customer service is really good and people are kind and friendly. Your insurer pays the remaining $3,500. Up to 14 days for at fault accidents. Did you claim all of them through NRMA or was it the other party's insurer? User #109894 19680 posts. So efficient. Add an option so you can make one claim per year that’s your fault without reducing your No Claim Bonus 7. Wild dashcam footage of a car crash involving several vehicles has been released as an Australian woman fights a “nightmare” insurance battle with the NRMA. Tow truck took my car to their yard, and said an assessor would come and check the car to determine if it was repairable. Record the damage, track medical expenses, and let your insurance company know about the accident even if you’re not found to. 8:44am Sep 6, 2023. To find your rating, check your current car insurance policy. At-fault Driver Policy 02 Definitions 03 At-fault driver cover 05 Specified injuries and benefits 06. On 1 February 2020, the ACT moved from Compulsory Third Party (CTP) Insurance to Motor Accident Injuries (MAI) Insurance. 1300 317 530 (8:30am–5pm, Mon–Fri) Glass damage only. • Covered for not at fault accident until claim settled • Optional extra for. After a non-fault collision. Im at fault. Insurance (except Travel sold in NSW, QLD, ACT, and TAS, Life and Income Protection) issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. If we agree you weren’t at fault in the collision and you can give us the name and address of the at-fault driver, then we can arrange a hire car for you if you need one. Fact checked. Your insurer pays the remaining $3,500. i have comprehensive insurance at an agreed value of $12000. 6 min read. My car received minor damage and could be driven from the scene, it is also insured with NRMA and was organised to be repaired fairly quickly after the accident. the other party must admit liability for the accident 1. ensure you will be able to claim those costs back on your policy. He says the insurer's new Comprehensive Plus insurance includes car rental as a standard feature, whereas it's an optional. The injured person or a close relative needs to complete the Accident notification form or Personal injury form and submit it to us. Insurance is still one of those things where you get what you pay for. Not at fault accident hire car coverTo pursue a claim by yourself against an at-fault driver; Or simply to pay for repairs yourself. Yes - standard excess. 1. I understand that this claim may be refused if information is untrue, inaccurate or concealed. Other things to keep in mind. gov. And it is more than OK for me to go back to them if I can't contact the at fault driver. Just remember this is a one-off per policy period, and only available to customers who have accrued a 60% no claims. you have an at-fault motor vehicle accident when driving your vehicle and you suffer a specified injury or die as a A Compulsory Third Party (CTP) Green Slip is legally required to register a car in NSW. 5. If your comprehensively insured car’s been damaged in an accident that was not your fault, simply lodge a claim; we’ll take care of the rest. Wild dashcam footage of a car crash involving several vehicles has been released as an Australian woman fights a “nightmare” insurance battle with the NRMA. NRMA or the person at fault ? how many quotes should i get? User #104095 42 posts. If you aren’t covered or decide not to go through with the claim, it won’t affect your No Claim Bonus. If you are not satisfied with the outcome of the CTP Insurer’s response, you can contact the CTP Enquiry Helpline on 1300 303 558. About this app. All insurers provide the statutory cover for green slips required under the Acts. All you need to do is start your claim and we’ll take care of the rest for you. Hire car picked up, car being towed tomorrow afternoon to ATA Fleet Repairer. We offer this when you're not at fault. • Pay your excess. The insurer may pay for all reasonable and necessary expenses for injury resulting from the accident. Find an Insurer. NRMA Insurance I've seen the answer and strongly disagree - I understand that was the point of the question,. Not my fault car. Average premiums for young drivers aged 21–24 vary. If you are at fault and make a claim, you are not covered to the same extent as someone who is not at fault. These documents can also help us identify correct replacements for you. Zero insurance excess. Later, I got a call from the other driver and he said that he's made a claim through his own insurer and that they should be covering my. Insurance (except Travel sold in NSW, QLD, ACT, and TAS, Life and Income Protection) issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. The process was very easy and had no issues at all. bobbified on 30/04/2019 - 18:07 +3. Easy communication, process claims easily and without problems, etc. - NRMA confirmed that at fault party has accepted responsibility that they were at fault. It scored 4. Both I myself and family members have had dealings with NRMA insurance and have found the standard of their repairers to be quite high. e house insurance. Your insurer pays the rest. As its name suggests, a loyalty discount is a discount insurance policyholders earn by faithfully sticking. Insurance claim outcomes. Emergency transport. NRMA Insurance (except Travel sold in NSW, QLD, ACT, and TAS, Life and Income Protection) issued by Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. weight, brakes etc. Access to the AAMI App, making it easy to check and update policy info, track claims, and more. Better yet, use our service and access benefits insurers can’t provide. Lodge a claim under your own insurance and tell them the details of the at fault party, or if you don't have your own insurance you'll need to send a letter of demand to the at fault party. 3/5 ( 17 votes ) Paying excess for a car accident that isn't your fault. I'd guess a minor not at fault claim would also make no difference. Got my full licence, 0 claims in the past 3 years (since I've been with them). A no claims bonus (NCB), or more correctly a no claims discount, is awarded if you don't claim in the latest policy year. For example, you claim for a total of $4,000. We independently review and compare NRMA Comprehensive Car against 42 other car insurance comparison products from 36 brands to help you choose the best. I recently experienced a not at fault car accident. Insurance issued by Insurance Australia Limited ABN 11 000 016 722 trading as NRMA Insurance. Thanks SGIO highly recommend. What to do at the accident scene. Call 1800 633 176 for claims inquiries in SA. Right2Drive will help restore you back in the position you were in. Veteran, Vintage & Classic. Business address is Darling Park Tower 2, 201 Sussex St, Sydney NSW (can’t assist with enquiries at this address). Whilst I accept I was late for the appointment, the lack of care. There are some circumstances where this doesn’t apply as per your insurance policy, for example if the damage was not your fault, and the insurance company has someone to collect money off instead. Sometimes wayyy above CPI. G. Get a quote. But that’s where Car Insurance comes into play. I can't speak re NRMA but I am with Budget Direct and I had a claim in October last year, at fault, a listed driver at the wheel, not me. By law, all CTP green slips must provide the same statutory cover. Damaged Whilst Parked and How to Claim. Get a Motorhome Insurance quote. At-Fault Driver Cover was first offered under the old greenslip scheme. Where insurers retain the traditional NCD pricing model, insurers should clearly disclose the effect of a claimWild dashcam footage clears driver from at-fault claim by NRMA. If you do not. NRMA have also said I can make a not at fault claim through them, and that they "might" be able to assist with providing a hire car for the time my car is off the road. Search FAQs. Follow up and existing claim. Currently, 12 states follow no-fault insurance laws, with the remaining states and Washington, D. You can add. If you are at fault, or partly at fault, or the other driver/owner claims you are at fault. You are entitled to make one at-fault claim each period of insurance without losing the No Claim Bonus if the vehicle has a carrying capacity of less than 2 tonnes and is receiving our maximum No Claim Bonus discount. If an accident is another driver’s fault, it is the responsibility of the other driver to put you back into the position you would have been in had the accident not occurred. What I don’t like is insurance payment is getting expensive. The amount they must pay for the damage they caused. With an NRMA Insurance CTP Green Slip, you also get Driver Protection Cover – which covers you if you cause an accident and suffer. I have 15 policies with NRMA and have been a loyal customer for 18 years. Between 1 December 2017 and 30 June 2020, over $73. If the glass only damage was caused by another driver, you can give us their name and address, and if we are satisfied it's their fault, then you won’t have to pay an excess. Previously with NRMA/IAG insurance full comprehensive with policy ending on the 13 Jan. To get a no claim bonus, you usually need to have comprehensive car insurance. Having trouble logging in? Update your details. Making a claim might also affect your no claims bonus and the cost of your future premiums. A wild crash has led to a “nightmare” insurance battle after a woman’s car was hit by another rolling vehicle. I always had the car repaired at my choice of repairer with brand new parts from the manufacturer. My trailer was a total loss and had to be towed to a holding yard. Generally, if you have: CTP Insurance, you’ll be covered for the costs of personal injury claims made against you in the event of a motor vehicle accident.