insurance question...
#1
Scooby Regular
Thread Starter
iTrader: (1)
Join Date: Mar 2003
Location: family life is superb but i MISS my scoob!!
Posts: 9,738
Likes: 0
Received 0 Likes
on
0 Posts
insurance question...
just a quick one.
Sarah was driving my car as a named driver on my policy when the little oik smashed into her and wrote the car off.
Car in my name, my policy, Sarah named driver.
Also Sarah has her own car, her policy me named driver.
So my question is come renewal time. do we:
a) declare on my policy sarah has been involved in an accident and say nothing on her renewal for her policy.
b) say nothing on mine and declare sarah has been involved in an accident when she renews her policy.
c) declare there has been an accident on both??
not trying to get out of anything here, just regret having to pay more when something was beyond our control.
cheers
Sarah was driving my car as a named driver on my policy when the little oik smashed into her and wrote the car off.
Car in my name, my policy, Sarah named driver.
Also Sarah has her own car, her policy me named driver.
So my question is come renewal time. do we:
a) declare on my policy sarah has been involved in an accident and say nothing on her renewal for her policy.
b) say nothing on mine and declare sarah has been involved in an accident when she renews her policy.
c) declare there has been an accident on both??
not trying to get out of anything here, just regret having to pay more when something was beyond our control.
cheers
#2
Scooby Regular
Join Date: Feb 2004
Location: Going round in circles in a Mini
Posts: 5,485
Likes: 0
Received 0 Likes
on
0 Posts
Declare on both. Failing to give all the full information could easily give them a reason not to pay out if a future claim arises.
Andrea is named on my ins, someone drove into the back of our car last year, although we claimed, as it was not her fault we did not suffer an increase in premium.
Andrea is named on my ins, someone drove into the back of our car last year, although we claimed, as it was not her fault we did not suffer an increase in premium.
#3
Scooby Regular
Thread Starter
iTrader: (1)
Join Date: Mar 2003
Location: family life is superb but i MISS my scoob!!
Posts: 9,738
Likes: 0
Received 0 Likes
on
0 Posts
cheers neil, that's what i thought we should do, better to be safe than sorry. although they say an accident that is not your fault shouldnt affect you.....it does.
Sarah's policy is up for renewal now so have done a few online quotes with declaring and without. It does make a difference not only on the premium but also the excess!!!
Sarah's policy is up for renewal now so have done a few online quotes with declaring and without. It does make a difference not only on the premium but also the excess!!!
#4
Scooby Regular
cheers neil, that's what i thought we should do, better to be safe than sorry. although they say an accident that is not your fault shouldnt affect you.....it does.
Sarah's policy is up for renewal now so have done a few online quotes with declaring and without. It does make a difference not only on the premium but also the excess!!!
Sarah's policy is up for renewal now so have done a few online quotes with declaring and without. It does make a difference not only on the premium but also the excess!!!
#5
I had a zx9r kawasaki ninja superbike smash into the front of my van on a foggy morning a couple years ago. The police came and all that jazz, he had, no licence, no insurance, wasnt his bike and was 16 !!!!! the police put it down as he lost control of his bike, and slammed into my van. I didnt declare this to my insurance and since seen the police case on the rider of which there was no mention of my name or my reg, just "A White Small Van". I cant see my insurers ever finding out about it can you?
#6
Scooby Regular
iTrader: (2)
I had a zx9r kawasaki ninja superbike smash into the front of my van on a foggy morning a couple years ago. The police came and all that jazz, he had, no licence, no insurance, wasnt his bike and was 16 !!!!! the police put it down as he lost control of his bike, and slammed into my van. I didnt declare this to my insurance and since seen the police case on the rider of which there was no mention of my name or my reg, just "A White Small Van". I cant see my insurers ever finding out about it can you?
#7
Scooby Regular
iTrader: (1)
Join Date: Mar 2005
Location: In RS land......
Posts: 12,902
Likes: 0
Received 0 Likes
on
0 Posts
I had a zx9r kawasaki ninja superbike smash into the front of my van on a foggy morning a couple years ago. The police came and all that jazz, he had, no licence, no insurance, wasnt his bike and was 16 !!!!! the police put it down as he lost control of his bike, and slammed into my van. I didnt declare this to my insurance and since seen the police case on the rider of which there was no mention of my name or my reg, just "A White Small Van". I cant see my insurers ever finding out about it can you?
Did you make a claim then? i had 2 cases of people hitting my previous discovery and doing no damage whatsoever to it and still reported it to insurers. The others insurance (both were tesco IIRC) sent an assesor out to examine the disco also. why would you run the risk of them throwing something back at you for no reason?
Trending Topics
#8
Scooby Regular
Join Date: Feb 2004
Location: Going round in circles in a Mini
Posts: 5,485
Likes: 0
Received 0 Likes
on
0 Posts
cheers neil, that's what i thought we should do, better to be safe than sorry. although they say an accident that is not your fault shouldnt affect you.....it does.
Sarah's policy is up for renewal now so have done a few online quotes with declaring and without. It does make a difference not only on the premium but also the excess!!!
Sarah's policy is up for renewal now so have done a few online quotes with declaring and without. It does make a difference not only on the premium but also the excess!!!
#9
No i didnt claim, i fixed it myself, new slam panel, bumper and rad. The main reason i did not declare it to my insurers was at no point in the police case to follow was my name or the reg of the van, so for an increase in premium it didnt seem worth it because there was very little tracability to my vehicle or me. This was a few years back now. If the lad on the bike had of tried having me over i woulda foned my insurers immediatly however this was not the case. A risk i suppose but 1 i saw fit to take.
Jay
Jay
#10
Scooby Regular
Join Date: Apr 2005
Location: I've joined the Focus family
Posts: 7,623
Likes: 0
Received 0 Likes
on
0 Posts
Agree with everything he says. Plus, if your insurance company was to find out, they may void your policy. Worse case scenario is the first you know about it is when you set off an ANPR reader, you get stopped and the car is seized and impounded, leaving you (and perhaps Sarah and Bobbie) at the side of the road. Minimum is £250 fine & 6 points + towing fee (another £105) and any storage (£20 per day)
In the end it's just not worth it
Thread
Thread Starter
Forum
Replies
Last Post