Oh Dear - some one is going to be in a little bit of trouble

[LoonR1]

anonymous said:

[redacted]

I guess you mean "policy"

Just get it repaired on the policy. Premiums tend not to go up much at all for claims on home insurance, especially when they'll recover all the costs in time.

[bad company]

anonymous said:

[redacted]

Seriously do it now. There is every chance you insurers can recover the costs from the scrote's insurer. Best get in quick tho.

[LoonR1]

bad company said:

Seriously do it now. There is every chance you insurers can recover the costs from the scrote's insurer. Best get in quick tho.

You're right. He's only got six years to lodge his claim with the van driver's insurers.

[bad company]

LoonR1 said:

bad company said:

Seriously do it now. There is every chance you insurers can recover the costs from the scrote's insurer. Best get in quick tho.

You're right. He's only got six years to lodge his claim with the van driver's insurers.

Sounds great in theory but in practice it is much better if the op's insurers are advised soonest.

Do you really think the insurance co would entertain a claim 6 years after the event?

[LoonR1]

bad company said:

Sounds great in theory but in practice it is much better if the op's insurers are advised soonest.

Do you really think the insurance co would entertain a claim 6 years after the event?

They don't get to choose whether they "entertain a claim" when a third party is claiming off them. They are ultimately defendant not claimant. If the claimant makes his case and their (potentially ex) customer doesn't give them a defence, then they'll be paying out.

[bad company]

LoonR1 said:

They don't get to choose whether they "entertain a claim" when a third party is claiming off them. They are ultimately defendant not claimant. If the claimant makes his case and their (potentially ex) customer doesn't give them a defence, then they'll be paying out.

So you don't think they would query why you waited 6 years?

Delay can weaken the claim, what is to be gained by delay?

[LoonR1]

bad company said:

So you don't think they would query why you waited 6 years?

Delay can weaken the claim, what is to be gained by delay?

They can ask and the answer is "I have six years to make a claim". It neither weakens nor strengthens a case by default, but it can help as the culprit may not reply so they have no defence

[bad company]

LoonR1 said:

bad company said:

So you don't think they would query why you waited 6 years?

Delay can weaken the claim, what is to be gained by delay?

They can ask and the answer is "I have six years to make a claim". It neither weakens nor strengthens a case by default, but it can help as the culprit may not reply so they have no defence

OK, you clearly seem to know best.

[LoonR1]

bad company said:

OK, you clearly seem to know best.

Quite probably.

[silentbrown]

I can barely remember who insures my car now, let alone 6 years ago. I certainly don't have policy documents going that far back....

[Alucidnation]

pics?

[Vaud]

bad company said:

OK, you clearly seem to know best.

In this case, he does.

[bad company]

Vaud said:

In this case, he does.

That depends on if you prefer to take a pragmatic or a 'fluffy bunny' approach.

[Pints]

bad company said:

Vaud said:

In this case, he does.

That depends on if you prefer to take a pragmatic or a 'fluffy bunny' approach.

Or, as in Loon's case, the "been in the industry for years so I know what I'm talking about "approach.

[PoleDriver]

Dogwatch said:

These things can be dragged out for months until you lose the wall to live.

FTFY

[boyse7en]

0000 said:

Have you checked there isn't a Yodel 'Sorry we missed you' note in the rubble somewhere?

Shouldn't that be a 'Sorry we hit you' note

[LoonR1]

silentbrown said:

I can barely remember who insures my car now, let alone 6 years ago. I certainly don't have policy documents going that far back....

you don't need them. The claim would be logged your insurers at the time. They'd get in touch with you, or at least try to, using the contact details they had on file when you held the policy. If you reply and admit it then they pay out, if you deny it they do some digging and see if you're prepared to defend as far as court. Most say yes, then admit they did it after all just before court.

Or as happens in the majority of cases, you wouldn't reply, leaving your old insurer stuffed with no defence, so they pay out.