Jamz3k

at the end of November I got my car hit by a careless driver. It was a genuine mistake by a dead on fella so meh! least i got a few Tesco car park dents sorted out for free!

BUT

I never told my insurance about the accident and let his company insurance sort everything out which was easy enough, so my question is do i need to tell my Insurance company and will i have to declare it when i renew? will it affect the cost of my insurance next year also?

JonMc

iTrader: (51)

You will need to declare it as it will be on a database somewhere. If you don't and then make a claim they'll try and not pay out because you failed to disclose. Depends upon upon how unethical the company is as to whether or not they load your premium. I'm sure Moley could provide you with a more qualified answer, but with most companies - give them and inch and they'll cut your ***** off

Moley

iTrader: (9)

You do need to let them know, but it'd be very harsh if they charged you any extra.

All claims are recorded on a database, so make sure you tell them

Jamz3k

Should i ring them asap or just let them know when renewing?

apparently my insurance company are the biggest crooks going in Northern Ireland so no doubt i'll be shafted come renewal!

Leslie

I guessed right-you are Shaun the Sheep!

If it is a no fault claim as far as you are concerned your insurance should remain unaffected.

Les

Steve vRS

What about if you have had an "event" but no claim was made, the car was repaired and the insurance companies not involved?

I now notice that the questions are now phrased, "any incidents, regardless of claim, in the last 3 years?"

Basically, my co. car was nicked 2 years ago. The company policy is only to insure third party and take th hit on repairing the cars. So, the car was recovered, had some repairs done paid by my employer and no insurance companies involved. So, if I take out insurance, do I need to declare?

Steve

Jamz3k

What are you on about Leslie?

GC8WRX

Is it true that any claim invoving you goes against you wether it was your fault or not?


I know people who have had non fault accidents but its been held against them come renewal time, how does that work, if and old biddy hits me, why should it affect my premium?

Steve vRS

Looks like some insurers aren't so generous.

Car Insurance Premiums Rocket After Crashes Whoever is at Fault

Steve

GC8WRX

that takes the pi55, how can you be charged for a NON FAULT accident!



Ive always said insurance is a rip off!

Moley

iTrader: (9)

Don't believe everything you read.

According to them all our premiums have gone up 20-25% this year, which again isn't true.

zip106

What about company cars insurance.
If my wife has a bump in her company car, what gets registered on the database?

The drivers name/address, the company name, or the car leasing company or a mixture of all 3?

I only ask because the wife bumped the back of a Punto in Oct. 2008 and only now is the other driver claiming for 'damage' of £800 for the car, whiplash, severe muscle damage to her arm and a few other things.
The wife's company's insurance co. are contesting it in court as tests on my wifes car show that there couldn't have been any such impact to cause the damage the third party is claiming.

Edit - forgot to say that the wife took pictures of the non-damaged cars straight away and the 'bump' was merely a nudge at a roundabout.

Wifes car has had measurements taken from inside the engine bay, around the bumper etc and from this the investigators can say what damage should,could occur. None, apparently, so they're fighting it in court

Anyway, when I renew my insurance with the wife as a named driver would I need to declare the above?

Sorry for the hijack!

SunnySideUp

Every 'incident' should be declared and, like it or not, it affects the premium quoted - even if not your fault or even if no claim is made.

I went to court a few years ago to fight a claim against me by a pedestrian .... one of the questions to me, in court, by the Plaintif's Lawyer was, "Have you been involved in any accidents?" ..... wide open question, and I answered in the affirmative - but added that the incidents were 30+ years previously!

Point I am trying to make is that the Insurance Company can be alerted to previous 'incidents' through channels not thought of by you ... and can get you into hot water (as in the case above, you do not lie on oath in the witness stand!)

Moley

iTrader: (9)

All accidents are on a database, they WILL find out if they want to, so be honest about everything.

zip106

Pete, my wife would never dream of fibbing in court.
She openly admits she nudged the car in front, just not hard enough as to do all this damage to metal and body!

Actually, she can't wait to have her day in court and show up this other woman for the scheming, lying trollope she is.

zip106

Would it need to be declared even BEFORE a court case or before anyone's been found to be at fault?

scud8

iTrader: (1)

I've had two non-fault accidents in the last 18 months - one where someone reversed out of a parking space into the side of my car as I was driving past, the second where someone ran into the back of me while I was stationary. The first one is completely settled, but my insurer still tried to increase my premium significantly at the next renewal - until I told them I had better quotes, at which point they came down considerably. The second accident happened a few weeks after this renewal, so it will be interesting to see what happens when the next renewal comes round.

SunnySideUp

I didn't mean to suggest that she would - I was just passing on my experiences in court.

Oddly, my wife 'tapped' a Vectra up the rear ..... in fact the Vectra owner didn't know my wife had hit him at all - he thought he had stalled on the clutch!

Strange how, all of a sudden, over the following few weeks - he had the 'damage' costed at £££££££££££££££££££££'s!!!! AND he was complaining of neck pain!!!!

This thing goes on all the time, it seems everyone is looking for free money these days - and to hell with honesty and decency.

The main problem is that Insurance Companies have an amount (I think it's around £1,000) below which they will simply pay and not argue or investigate!!

Have a 'knock' once a week and you have £52,000 for a years 'work'!!

Leslie

Meh!

Have you never watched him?

Les

Jamz3k

I haven't although i'm now tempted!

GC8

Id wait until renewal if possible: then make them aware after theyve quoted you (and maybe after youve haggled them down, as renewals take the ****). This way youll know if theyve loaded your policy.