Bumped the wife's car - who claims ?

[DSLiverpool]

Took the wife's Zoe to the shops, got in, selected reverse and whacked it into the skip that's just been delivered.
My local body shop says its £900 now as its a lease car I'm thinking best to put it in to Renault but the real question is if we go via insurance I assume it's her insurance we advise ? (I'm on it as a named driver)

[deckster]

What other insurance policies are you thinking might be in force?

[ging84]

If you've got your own policy with drive any car it usually 3rd party only, so would cover you for the damage to the skip, but often won't cover spouses cars so might not even cover that.
I would suggest not involving them.

[KungFuPanda]

I've never seen a DOC cover term which didn't cover spouse's cars.

[DSLiverpool]

Decided to pay myself as its own damage and the premium plus excess will cost more over the years.

[Sheepshanks]

KungFuPanda said:

I've never seen a DOC cover term which didn't cover spouse's cars.

I have - and wider than that: cars in same household. For obvious reasons.

[anonymous-user]

Some flowers would also seem like a good investment

[Sheepshanks]

I managed to dent my wife's new car one year before she'd even sat in it. I blame the dealer, they delivered it a couple of days before the new reg start.

[stargazer30]

DSLiverpool said:

Took the wife's Zoe to the shops, got in, selected reverse and whacked it into the skip that's just been delivered.
My local body shop says its £900 now as its a lease car I'm thinking best to put it in to Renault but the real question is if we go via insurance I assume it's her insurance we advise ? (I'm on it as a named driver)

WTF - dude it has a reverse camera and reverse sensors, how on earth did you manage that?!

[DSLiverpool]

stargazer30 said:

WTF - dude it has a reverse camera and reverse sensors, how on earth did you manage that?!

Who put the skip in my "swing in" area .... no excuses

[QBee]

Obviously, being electric the skip crept up on him silently

[anonymous-user]

[Boring]Just bear in mind, your insurance renewal will ask you to declare any accidents (not claims), so saying nowt about it at renewal might technically be fraudulent, even if you don't claim on the insurance. Also consider this thread is a nice record of the incident...[/Boring]

[QBee]

Friend of mine has just selected a hybrid Merc C350e as his company car, partly because of the very low benefit charge (48gm CO2).
He's got used to the need to drive with his foot on the brake in the supermarket car park, or mow down the inattentive population of his home town, but what freaks him is the petrol engine switching off if he takes his foot off the gas at 70 on the motorway,

Irrelevant to hitting a skip with a Zoe, just thought it might interest a few.

[bad company]

DSLiverpool said:

Decided to pay myself as its own damage and the premium plus excess will cost more over the years.

At £900 that was an expensive bump.

[InitialDave]

janesmith1950 said:

{Boring}Just bear in mind, your insurance renewal will ask you to declare any accidents (not claims), so saying nowt about it at renewal might technically be fraudulent, even if you don't claim on the insurance. Also consider this thread is a nice record of the incident...{/Boring}

A skip is so obvious, he must've done it deliberately, therefore it's not an accident.

Problem solved.

[DSLiverpool]

InitialDave said:

A skip is so obvious, he must've done it deliberately, therefore it's not an accident.

Problem solved.

In our garden suburb they have camo skips ;-) I spoke to our broker and the incident being on private land has a bearing on what needs to be declared.

[dacouch]

DSLiverpool said:

In our garden suburb they have camo skips ;-) I spoke to our broker and the incident being on private land has a bearing on what needs to be declared.

Your broker cannot speak for other Insurers.

Some Insurers would want to know about an incident whether it happened on private property or the public highway

[DSLiverpool]

dacouch said:

DSLiverpool said:

In our garden suburb they have camo skips ;-) I spoke to our broker and the incident being on private land has a bearing on what needs to be declared.

Your broker cannot speak for other Insurers.

Some Insurers would want to know about an incident whether it happened on private property or the public highway

Can my broker not (after speaking to them) speak for my insurer? Being only cosmetic is a factor as well as private land in this particular incident and we're still not 100% sure we won't claim.