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Quote: Originally posted by oldbwl on 03/11/2004

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Insurers cannot recover any sums from the MIB - they part fund it and therefore the rules exclude any indemnified loss from being recoverable. The phrase actually used is that subrogated losses are excluded - but that is another story in itself LOL.

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Oldbowl,

Do you know if any insurers removing  the NCD as a result of someone making a claim to the MIB ?

Hi,

If any of you are interested, I have posted some pictures of the damage to my van on Night Owl Hooters website,

Best wishes,

Tony and Tracy.

Stuaort, (well you added an 'o' so I thought I would too LOL,

An insurer will reduce NCD entitlement purely for one reason, if a claim is made on the policy for which no recovery can be made. The entitlement is sometime reinstated if the recovery could only have been made against the MIB but cannot be made due to the rules disbarring insurer claims. it will depend on two factors.

a) if the claim would have succeeded against the other party if they had been insured (in their opinion not yours!)
b) the policy of the insurer (read generous nature here!)

By and large a modern composite big insurer should allow the NCD. Some of the smaller outfits and syndicates may not. I would expect the FOS to uphold a complaint against any subscribing member who failed to do so.

oooooooooooh

Thank Yoooooooooou.