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Probably as OT as it gets... UK Car Insurance No-Claim-Bonus related
show user profile  mrgrotey
Sorry for the extreme off-topic ...topic but I really don't want to ask on a related forum and wait days for a response :) ...also people here know everything about everything :)

Yesterday I was stupid enough to hit someones car up the back with mine at a round-a-bout after he had to stop sharply.

My headlight was hanging out, bumper popped out the side .etc .etc but I just really need a new headlight as the tabs has broken off and a couple of clips here and there so not great deal.

But, although his car was visually completely untouched, not even scratched he is being a c**t and claiming he needs a whole new bumper as the tabs have apparently snapped.

Now, I am not going to claim on my insurance for my stuff as it wouldn't come anywhere near to the excess but he is going through his insurance for his bumper so he can get a courtesy car whilst the work is done. So,when I come to renew my insurance this year and the question comes up 'have you made any claims .etc .etc do I have to say yes or can I leave it as no, because technically I still haven't made a claim, he has, against his insurance but not me.

I realise it'll go on the books against me and my premium is likely to go up but do I have to say I have made a claim? it never asks if I've been in an accident.

btw, yes I feel like a dick, this is my first ever accident in 8-9 years of driving.




read 679 times
2/24/2011 4:17:39 PM (last edit: 2/24/2011 4:20:38 PM)
show user profile  Joey Parker Jr.
I have a friend in the insurance biz. I'll ask him.
 photo 2012-sig_small3_zpsbd114b69.png

read 666 times
2/24/2011 4:20:47 PM (last edit: 2/24/2011 4:20:47 PM)
show user profile  Dr. Jim
Not sure how it works there.........
But ALL that stuff is maintained in your insurance records...etc..etc.
If I went to price new insurance,...the new insurance company might ask me if I had any claimes in the last 3 years,.....but they also would full and well pull my records and see that my current insurance company PAID a claim on my policy. Doesnt matter whether I reported a claim or a claim was made against me....bottom line is: your insurance company paid out a claim.

btw - This isnt an accident report type records...or anything,....all insurance info from the main carriers is accessable to the other carriers. Really no way to "hide" anything by simply saying "Oh,...umm....no sir...I didnt make a claim".


read 662 times
2/24/2011 4:23:07 PM (last edit: 2/24/2011 4:23:07 PM)
show user profile  mrgrotey
Jim: Oh I'm not trying to get out of it or lie. I just don't want to make things sound worse than they actually are. I'm not stupid enough to lie to them, I just don't want to say I've made a claim as the only way to declare that I've been involved in an accident if I don't have to, as its not technically true.

Ta Joey




read 656 times
2/24/2011 4:29:53 PM (last edit: 2/24/2011 4:29:53 PM)
show user profile  advance-software
Phone up & ask them without disclosing your name, reg or policy number.
read 650 times
2/24/2011 4:36:14 PM (last edit: 2/24/2011 4:43:00 PM)
show user profile  STRAT
this is difficult. just happened to a mate of mine. both bumped each other whilst reversing/manoeuvring in a car park.

both peoples exchanged insurance details. both thought it would be a 'knock-for-knock', ie, each insurer pays for the repair of his own client, even if only 3rd party insured.

My mate didnt claim as the damage was minor to his own (to both really) car and he didn't want to incur the wrath of his insurers and their penalty excess costs and premium hikes when re-newel came about. so he didn't do anything about it. all fine, legal and dandy.

But, the other person did claim. This meant my mate's insurers had a claim against them from the other persons insurers to fix the damage to the other car.

He did pay a higher premium at re-newel, but not as high as if he'd also have claimed. he hadn't made a claim, but was involved in an accident, which is how most forms are worded.

it's all getting pear shaped these days too. you're lucky he also isn't claiming whip-lash or suing for something else that isn't your fault. everyone's claiming damages these days.

back in my day you had a crash, fucked up all cars involved, had a bloody good barny and fistycuffs in the street, paid up and went home. all good harmless fun. now, even taking a pi55 costs you a fortune :(





SJLEWORTHY.COM











read 629 times
2/24/2011 5:15:37 PM (last edit: 2/24/2011 5:20:29 PM)
show user profile  mrgrotey
well been thinking, even if the renewal premium doubles (which im hoping it wont obviously, having protected no-claims and all) thats how much I would have paid in excess for mine anyway, and how uch I would probably have had to pay him ...ish if it was settled out of insurance's view.

Will have to wait and see in june or whenever it is.




read 613 times
2/24/2011 6:33:09 PM (last edit: 2/24/2011 6:33:09 PM)
show user profile  Dr. Jim
.
read 605 times
2/24/2011 6:52:41 PM (last edit: 2/24/2011 6:53:05 PM)
show user profile  9krausec
Oh, sunny, I remember my first ve-hick-cal accident. It was a cold winters day, and I slid down a hill, right into a snow bank. It is fair to say that the snow bank came abouts unscathed, but my door to one hell of a cling clash caboozal.

damn snowbanks.




- Portfolio-




read 577 times
2/24/2011 10:07:21 PM (last edit: 2/24/2011 10:07:21 PM)
show user profile  Joey Parker Jr.
My friends advice is to own-up which sounds like you already have desided to do.
He also said it's gonna help that you have had no previous claims which you also
mentioned above. So maybe they won't bang you too bad.

 photo 2012-sig_small3_zpsbd114b69.png

read 567 times
2/24/2011 10:45:14 PM (last edit: 2/25/2011 2:36:00 AM)
show user profile  killerbee2
if they double up the fee, go somewhere else and negotiate inbetween.




read 531 times
2/25/2011 3:04:22 AM (last edit: 2/25/2011 3:04:22 AM)
show user profile  STRAT
kb - in the UK there's no negotiation in car insurance. you just pay whatever high premiums they tell you.





SJLEWORTHY.COM











read 521 times
2/25/2011 9:07:49 AM (last edit: 2/25/2011 9:07:49 AM)
show user profile  missy
I got hit up the arse about a year ago (little country lane, I had to stop for a bus coming the other way, the car just came around the corner too fast and couldn't stop in time, teenager!)

and we both wanted not to go through insurance company and its the same for me as Strats mate, I haven't made a 'claim' but I have to declare I was in an accident (even though I was the one that was hit)

missy_sig

read 517 times
2/25/2011 10:39:12 AM (last edit: 2/25/2011 10:39:12 AM)
show user profile  STRAT
the shitty thing is, even if both parties decide not to claim, and theres no insurance matters from any sides and nobody even tells the insurers, you're still legally obliged to tell them your car has been involved in an accident, even if you fix it any no ones the wiser.





SJLEWORTHY.COM











read 515 times
2/25/2011 10:43:01 AM (last edit: 2/25/2011 10:44:22 AM)
show user profile  missy
Yip Strat has it right. Thats exactly what we were told.

missy_sig

read 510 times
2/25/2011 10:46:49 AM (last edit: 2/25/2011 10:46:49 AM)
 
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