Posts by mistyfalcon4

mellowgull80 said:No. The bonus always drops by three premium steps, regardless of whether the damage was $33 or $33333.

Got it, thanks!

James Nelson8 said:Look, you could always just hire someone to handle the door painting... you can step back from the grind and still protect that bonus if that's what makes more sense for your bottom line...

I hear you,
but my real concern is whether the actual cost of the damage determines how much they dock from the bonus.

mellowgull80 said:When you file a claim against your policy, the standard procedure is to drop your discount by three rating steps.
For instance, if you currently enjoy a 50% safe driver discount, it would drop down to 35%.

I have listed the various premium tiers above, so you can calculate the exact impact yourself...

Got it, thanks.
So just to be clear—that applies regardless of whether it's just a minor door scratch or a total wreck?

If I end up filing a claim under my policy, does that mean my entire no-claims bonus disappears, or does it actually depend on how much the damage costs?