daniel uk napisał(a):totalna bzdura!!!!!!!!!!!!!!!...a jesli w tej ubezpieczalni tak jest to trzeba wybrac inna choc akurat w takie rzeczy nie wierze...koles musial gadac bzdury.....mialem stluczke nie z mojej winy to nawet z moja ubezpieczalnia sie nie kontaktowalem bo po co?wszystko zostalo zalatwione z ubezpieczenia sprawcy.
Czy ty czytasz czasem co piszesz? Nie skontaktowales sie ze swoja ubezpieczalnia wiec niby jak bys mial stracic NCB? Jak bys sie skontaktowal to bys stracil NCB pomimo ,iz bys dostal odszkodowanie, na dodatek jesli szkoda byla by nizsza niz twoj volontary excess to bys guzik dostal. Dlatego wiekszosc ludzi decyduje sie na pomoc prawnika nie informujac ubezpieczalni gdyz straca NCB i maja volontary axcess:
"When you buy your insurance, they ask you how much voluntary excess you are prepared to pay. If you need to make a claim on your insurance, eg you came off your bike and it is now a write off, you have to pay some money, the voluntary excess, before they will pay the rest of the monies.
This is to stop people claiming for small amounts of monies from their insurance, for example if you own a car and your excess is £500.00 and it was broken into, your bag was taken and the cost to replace the window and bag was £400.00, you wouldn't be able to claim on the insurance, however, if your excess was £150.00, you would be able to claim from the insurance £250.00 (your excess of £150.00 plus £250.00 equals £400.00) but because your excess was lower, your insurance premium would be higher.
You have to decide what you can afford if your bike was to be damaged and then decide what excess you wish to pay."