ldoodle
Distinguished Member
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- Apr 2, 2005
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Hello,
My insurer is Direct Line. I had my car vandalised over the weekend and am a bit bewildered to find that their 'Vandalism Promise' only protects the no claims discount - I still have to pay the excess which is £250. It will only cost £280 to fix the wing mirror so it's not worth going through insurance.
So, my question is: If I were to ring them up today and change the excess to zero (and pay the extra per month), would I still be able to claim through the insurance for something that happened before I changed the policy?
I have a crime reference number so my no claims wouldn't be harmed.
Thanks
My insurer is Direct Line. I had my car vandalised over the weekend and am a bit bewildered to find that their 'Vandalism Promise' only protects the no claims discount - I still have to pay the excess which is £250. It will only cost £280 to fix the wing mirror so it's not worth going through insurance.
So, my question is: If I were to ring them up today and change the excess to zero (and pay the extra per month), would I still be able to claim through the insurance for something that happened before I changed the policy?
I have a crime reference number so my no claims wouldn't be harmed.
Thanks