insurance query - both my cars crashed into each other

[theboss]

Are you guys fairly sure about the two claims / two excesses? See, this is my worst fear.

I have held off contacting insurer until i have a better idea of the comparative costs... as I still feel there isn't going to be much difference between claiming and repairing directly and would lean towards the latter for simplicity.

[TwigtheWonderkid]

theboss said:

Are you guys fairly sure about the two claims / two excesses?

Yes. The policyholder cannot be the third party as well. It's similar to people reversing into their garage door or garden wall, which is very common. They claim for the car damage off the car policy and the door/wall damage off their buildings insurance. If they reversed into neighbour's wall or garage door, their car insurance would pay for both. Because the neighbour would be a third party.

Sorry if this isn't what you want to hear, but unlike a lot on this thread, it does have the benefit of being correct.

[Gavia]

theboss said:

Are you guys fairly sure about the two claims / two excesses? See, this is my worst fear.

I have held off contacting insurer until i have a better idea of the comparative costs... as I still feel there isn't going to be much difference between claiming and repairing directly and would lean towards the latter for simplicity.

No.

This would be the case if you were driving. However, your wife was driving and as such it means you get to claim off the Golf's policy to repair both cars.

[imdeman87]

OP said they were with Direct Line.

Following document is Direct Line's car insurance policy: https://www.directline.com/content/dam/dlg/Direct-...

Could someone clarify the point made on page 9 under the section of 'liability to other people':

'We will not cover:
• loss of or damage to any car you drive or any trailer or vehicle you tow;'

[Gavia]

imdeman87 said:

OP said they were with Direct Line.

Following document is Direct Line's car insurance policy: https://www.directline.com/content/dam/dlg/Direct-...

Could someone clarify the point made on page 9 under the section of 'liability to other people':

'We will not cover:
• loss of or damage to any car you drive or any trailer or vehicle you tow;'

Section A relates exclusively to your liability to other people. This is the Third Party element of your cover.

Section B relates exclusively to the the damage to your car, so the bit within Fully Comp that's not Fire and Theft

Section C relates exclusively to Fire and Theft

That should clarify it.

[imdeman87]

Gavia said:

Section A relates exclusively to your liability to other people. This is the Third Party element of your cover.

Section B relates exclusively to the the damage to your car, so the bit within Fully Comp that's not Fire and Theft

Section C relates exclusively to Fire and Theft

That should clarify it.

Cheers.

[TwigtheWonderkid]

Gavia said:

theboss said:

Are you guys fairly sure about the two claims / two excesses? See, this is my worst fear.

I have held off contacting insurer until i have a better idea of the comparative costs... as I still feel there isn't going to be much difference between claiming and repairing directly and would lean towards the latter for simplicity.

No.

This would be the case if you were driving. However, your wife was driving and as such it means you get to claim off the Golf's policy to repair both cars.

No he doesn't. He's the policyholder. He cannot also be the third party. End of story. It matters not his wife was driving.

[stevensdrs]

It would seem from the wording on the direct line policy that the above is correct and the OP cannot claim for third party damage to his own car from a policy where he is also the policyholder.
So it's claim both policies or just pay for the repairs whichever will work out cheapest.

[TwigtheWonderkid]

stevensdrs said:

It would seem from the wording on the direct line policy that the above is correct and the OP cannot claim for third party damage to his own car from a policy where he is also the policyholder.
So it's claim both policies or just pay for the repairs whichever will work out cheapest.

And not just Direct Line. Any policy, motor, household or any other policy that has third party liability cover. The policyholder cannot also be a third party.

[TVRnutcase]

Without answering the OPs question - I view insurance as being for "what I cannot afford to readily pay for"

That is minor issues get fixed - the question is "Have you had an incident" at renewal time - well at what point would you advise of a "minor incident" - marks you buff out? key scratch's? minor dent? full restraighten? Most of those the Insurance company would not want to know about.

I try and avoid the insurance company as much as possible, for 4k - if you can afford it - just pay it and get on with life. It will be less painful, quicker and fewer repercussions. In my mind anything I have only had done is "cosmetic".

Ah - I would probably use an Indy - anything through BMW will be tagged to the car.

[theboss]

Well in the end I decided to do everything myself without insurance, I just picked up the M5 and my local dealer has done a sterling job supplying and spraying and fitting a new bumper, diffuser and fixing the exhaust. Damage for that one about £1600. The damage is indescernible save for the fact that one exhaust trim is now much cleaner than the others.

One down, one to go, but the golf can wait until nearer the end of lease.

Glad I didn't get insurance company involved.

[popeyewhite]

theboss said:

Glad I didn't get insurance company involved.

Very wise. You'll also avoid those phone calls where you'd have to explain to ambulance chasing vultures that no one was actually injured. For the next few years.