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Message: <blockquote data-quote="astroboy" data-source="post: 417840" data-attributes="member: 4527">Not true... Real experience: I stop at a junction waiting for my turn to go out, a motorbike rammed into my side door. Police give the biker a summon and that allowed me to claim the biker's insurance. I can get my insurer to do a 3rd party knock-4-knock, meaning my insurance pay my repair bill first, then my insurer will claim reimbursement from the 3rd party motorbike insurance so I don't have to pay from my own wallet first for the repair. 3rd party claim takes time. If I do that, I lose all my NCB. <img src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" class="smilie smilie--sprite smilie--sprite9" alt=":eek:" title="Eek!    :eek:" loading="lazy" data-shortname=":eek:" /> So I end up claim 3rd party myself, and I pay for the repair first while waiting for the 3rd party insurer to reimburse me, without going through my own insurer, that way, my NCB retained.. isn't it ridiculous?  :stupid:I managed to claim RM6k to repair my Toyota rear door after a 3 months continuous follow up.. tiring though!</blockquote>