Insurance questions..
Discussion
Apologies for the boring questions but -
Someone wrote my car off by driving into me, I need to fill out some documentation for my claim etc, two questions are bugging me -
1) mileage, on my policy I put 5k miles, however after checking I have done 6k in the last year. I only have a 10 month policy if that makes any difference.
2) job title, I was down as a student living at home, I am an apprentice and wasn't sure what to put at the time and that was the closest most accurate title I could think of, as I am doing a college course and learning. Will I get shafted for this? I question this because they've asked for my employers address.
Another thing is they took my renewal by DD, I don't ever remember getting a chance to change any details (the above details are exactly the same as the policy I took out two years ago).
Am I in the s
t, or am I worrying over nothing?
Someone wrote my car off by driving into me, I need to fill out some documentation for my claim etc, two questions are bugging me -
1) mileage, on my policy I put 5k miles, however after checking I have done 6k in the last year. I only have a 10 month policy if that makes any difference.
2) job title, I was down as a student living at home, I am an apprentice and wasn't sure what to put at the time and that was the closest most accurate title I could think of, as I am doing a college course and learning. Will I get shafted for this? I question this because they've asked for my employers address.
Another thing is they took my renewal by DD, I don't ever remember getting a chance to change any details (the above details are exactly the same as the policy I took out two years ago).
Am I in the s
t, or am I worrying over nothing?
IMO it depends how mileage was addressed. Either,
a) If policy says, "It is a condition of this policy that you do not exceed 5,000 miles in the period of insurance" then your insurance protection stopped at 5,000 dead.
b) If when you took out your policy they asked "What's your likely mileage" and you said "about 5,000" then it's much less clear-cut.
Regarding your change of status I guess it depends how they feel. You can never tell them too much...
a) If policy says, "It is a condition of this policy that you do not exceed 5,000 miles in the period of insurance" then your insurance protection stopped at 5,000 dead.
b) If when you took out your policy they asked "What's your likely mileage" and you said "about 5,000" then it's much less clear-cut.
Regarding your change of status I guess it depends how they feel. You can never tell them too much...
Ozzie Osmond said:
IMO it depends how mileage was addressed. Either,
a) If policy says, "It is a condition of this policy that you do not exceed 5,000 miles in the period of insurance" then your insurance protection stopped at 5,000 dead.
b) If when you took out your policy they asked "What's your likely mileage" and you said "about 5,000" then it's much less clear-cut.
Regarding your change of address, your insurance protection may well stop if insurer hasn't been told. They will be especially miffed if you have moved from a low rated postcode to a high rated postcode.
I haven't changed address, just some confusion over job title.a) If policy says, "It is a condition of this policy that you do not exceed 5,000 miles in the period of insurance" then your insurance protection stopped at 5,000 dead.
b) If when you took out your policy they asked "What's your likely mileage" and you said "about 5,000" then it's much less clear-cut.
Regarding your change of address, your insurance protection may well stop if insurer hasn't been told. They will be especially miffed if you have moved from a low rated postcode to a high rated postcode.
if the person who hit you was insured and admitted liability, you don't have much of a problem anyway, even if insurers really were out to look for any technicality to void claims like many people try to make out, your insurer won't be the one paying, they most likely will welcome the claim as they will get some money back in fees for managing the claim
Gassing Station | General Gassing | Top of Page | What's New | My Stuff