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Hi,
It’s interesting to see the differences in insurance cover between different countries.
In the UK people rarely claim for rim damage - because all claims are registered against you and your cover will be more expensive the following year.
The biggest “lie” with British policies is “protected no-claims bonus”.
This is where you are allowed one of more claims per year without it affecting your no-claims bonus.
In the UK this is a percentage amount (say 60%) that is deducted from the calculated premium.
Premium is 1000 - with 60% no-claims bonus you pay 400.
What they neglect to tell you is that with any claims the original premium will rise.
This means that following a claim - you premium may rise from 1000 to 2000 and then they deduct the “protected” 60% from the higher premium!
Without protection - every claim normally deducts 10% off the no-claims discount that you have built up, over the years.
Cheers
Steve
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