Car damaged in office car park - insurance advice please!
Discussion
Dr Mike Oxgreen said:
Freak occurrences happen. Therefore they have to happen somewhere. The fact that a freak occurrence has happened in the car park of my employer does not establish any kind of history or trend of it happening here, and it does not imply any increased risk of it happening again, either here or to me.
It is ludicrous to suggest that a vehicle rolling into my car makes it more likely to happen again.
Edited for clarity...It is ludicrous to suggest that a vehicle rolling into my car makes it more likely to happen again.
It seems we are on the same page at least, apparently some insurers and others on here aren't.
Ah well, can't please everyone all the time.
Best of luck sorting your 'incident' out...
Jim1556 said:
There are bad drivers everywhere, in every country. The incident I had could've happened anywhere on an uphill stretch (traffic lights, roundabout, T-junction etc) I fail to see how this makes anything more likely! The other party simply wasn't paying attention!
I could understand if I parked regularly on a narrow road and people were always claiming for wing mirrors, minor scrapes etc, but as I said, this could've happened anywhere. I haven't suddenly turned into an accident magnet!
They aren't interested in you. Who cares? I have no idea if one particular 17 yr old will cost insurers more or less over the next 3 yrs than his granny, but I know for a fact that 100 random young drivers will cost insurers a huge amount more than 100 random grannies.I could understand if I parked regularly on a narrow road and people were always claiming for wing mirrors, minor scrapes etc, but as I said, this could've happened anywhere. I haven't suddenly turned into an accident magnet!
You had a non fault accident. So you get lumped in with all those who live in narrow roads where this time they got hit and the culprit left a note, but next time there might be no note.
How else can they differentiate, unless you're happy for a telematics black box to be fitted, but most of the PH massive seem anti that idea.
TwigtheWonderkid said:
You had a non fault accident. So you get lumped in with all those who live in narrow roads where this time they got hit and the culprit left a note, but next time there might be no note.
How else can they differentiate, unless you're happy for a telematics black box to be fitted, but most of the PH massive seem anti that idea.
Ok, makes more sense from a different perspective - I don't like it, but see where you're coming from.How else can they differentiate, unless you're happy for a telematics black box to be fitted, but most of the PH massive seem anti that idea.
Er, black box? *Shudders*
It turns out, that I MUST now declare this as an incident for the next 2 years, even though I cancelled the claim, it had already been put on the system. This means that MY PREMIUM WENT UP regardless of blame, regardless I didn't persue it!
I f
king hate the car insurance bullst in this country - it should be illegal for them to put my premium up as a result of a non fault claim! Apparently, cos I've had a 'non fault incident' I'm more likely to have another! ON WHAT fkING PLANET DOES THAT MAKE SENSE??? 
Tell me about it, 5 years ago I came out of my Local Tesco to see the front o/s wing of my car had been hit, no note left so in went my claim on my fully comp insurance.................4 years later I receive a letter from my MOTORCYCLE insurers asking my why I hadn't declared this claim on my car!
My car insurance and bike insurance are two seperate companies but it turns out when I renewed my bike insurance and they ask "any accident or claims made" i didnt realise that applies to any vehicle you have insured and not just the bike,
so thanks to the git who caused the damage in the first place I now have a higher premium to pay.
I f
king hate the car insurance bullst in this country - it should be illegal for them to put my premium up as a result of a non fault claim! Apparently, cos I've had a 'non fault incident' I'm more likely to have another! ON WHAT fkING PLANET DOES THAT MAKE SENSE??? Tell me about it, 5 years ago I came out of my Local Tesco to see the front o/s wing of my car had been hit, no note left so in went my claim on my fully comp insurance.................4 years later I receive a letter from my MOTORCYCLE insurers asking my why I hadn't declared this claim on my car!
My car insurance and bike insurance are two seperate companies but it turns out when I renewed my bike insurance and they ask "any accident or claims made" i didnt realise that applies to any vehicle you have insured and not just the bike,
so thanks to the git who caused the damage in the first place I now have a higher premium to pay.
swimmerS2 said:
It turns out, that I MUST now declare this as an incident for the next 2 years, even though I cancelled the claim, it had already been put on the system. This means that MY PREMIUM WENT UP regardless of blame, regardless I didn't persue it!
I fking hate the car insurance bullst in this country - it should be illegal for them to put my premium up as a result of a non fault claim! Apparently, cos I've had a 'non fault incident' I'm more likely to have another! ON WHAT fkING PLANET DOES THAT MAKE SENSE???
Tell me about it, 5 years ago I came out of my Local Tesco to see the front o/s wing of my car had been hit, no note left so in went my claim on my fully comp insurance.................4 years later I receive a letter from my MOTORCYCLE insurers asking my why I hadn't declared this claim on my car!
My car insurance and bike insurance are two seperate companies but it turns out when I renewed my bike insurance and they ask "any accident or claims made" i didnt realise that applies to any vehicle you have insured and not just the bike,
so thanks to the git who caused the damage in the first place I now have a higher premium to pay.
Why are people continuing to ask stupid questions that have already been comprehensively answered on this and a dozen other threads?I f
king hate the car insurance bullst in this country - it should be illegal for them to put my premium up as a result of a non fault claim! Apparently, cos I've had a 'non fault incident' I'm more likely to have another! ON WHAT fkING PLANET DOES THAT MAKE SENSE??? Tell me about it, 5 years ago I came out of my Local Tesco to see the front o/s wing of my car had been hit, no note left so in went my claim on my fully comp insurance.................4 years later I receive a letter from my MOTORCYCLE insurers asking my why I hadn't declared this claim on my car!
My car insurance and bike insurance are two seperate companies but it turns out when I renewed my bike insurance and they ask "any accident or claims made" i didnt realise that applies to any vehicle you have insured and not just the bike,
so thanks to the git who caused the damage in the first place I now have a higher premium to pay.
Talk to someone (HR) at your office, stuff like this happens regularly at my place, usually you get the repair done, get a receipt and put it through on expenses, depends what the people you work for are like. If you get no joy with that, tell your work that you will ring your insurance company, then ring them, give them the vehicle details and what happened.
The car is currently at the TVR specialist that normally looks after it, and they should hopefully be looking at it today. Depending on the size of the bill, the company will either reimburse me out of their own purse or do an insurance claim - but probably the former.
Assuming things go alright I'll take the manager in question out for a lunchtime spin when I get it back because he's a bit of a fan of the marque.
Assuming things go alright I'll take the manager in question out for a lunchtime spin when I get it back because he's a bit of a fan of the marque.
Not much progress, as such - except that I have a quote for the repair and the manager at work has told me to go ahead and the company will pay me back.
The bodyshop* is too busy to do it for a week or two more, so for the time being I've taken the car back so I can use it for our holiday in the Dales.
The bodyshop say it'll need pretty much a full front-end respray, so it'll end up looking fantastic with all the stone chips gone.
* I think it'll be going home to Blackpool to Surface And Design.
The bodyshop* is too busy to do it for a week or two more, so for the time being I've taken the car back so I can use it for our holiday in the Dales.
The bodyshop say it'll need pretty much a full front-end respray, so it'll end up looking fantastic with all the stone chips gone.
* I think it'll be going home to Blackpool to Surface And Design.
TwigtheWonderkid said:
dacouch said:
The same principle can apply to a hand brake failing if the car has been well maintained
Absolutely true, although my money is on the damn handbrake not having been applied properly.Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff