Should I inform insurance? No damage to anything else.

[xRIEx]

tanderson said:

TVR1 said:

Quoted, you know, just in case.....

Although the above story is absolute rubbish, please humour me with a question- As there is no grace period after the expiry of your insurance and you are, in fact, uninsured, how have you managed to avoid being done for no insurance after plod attended?

You've got the wrong end of the stick. By 14 day grace period I meant my car insurance had automatically renewed less than 14 days ago and I know its easier to cancel during this period. The police checked all my details at the road side, before you call me a liar or a crook.

Just to clarify, it's not a 'grace period' as such, it's a cooling off period which begins when you receive the documentation. It exists to give you a chance to ensure that you've bought the correct cover that you need.

In the case of a brand new policy it often starts as soon as you instruct the insurer, so the 14 days starts when the docs land on your doorstep (or inbox); with a renewal, if they sent you the renewal 21 days before the renewal date, you've had that information, so you may well find the cooling off period has expired.

ETA: In fact, with a renewal, assuming there have been no changes to the contract, there may not even be a cooling off period as you had the opportunity to check its suitability last year.

[tanderson]

xRIEx said:

Just to clarify, it's not a 'grace period' as such, it's a cooling off period which begins when you receive the documentation. It exists to give you a chance to ensure that you've bought the correct cover that you need.

In the case of a brand new policy it often starts as soon as you instruct the insurer, so the 14 days starts when the docs land on your doorstep (or inbox); with a renewal, if they sent you the renewal 21 days before the renewal date, you've had that information, so you may well find the cooling off period has expired.

Thats fine I dont mind if I lose an extra month of insurance payback or whatever. I just don't want to screw myself over long term. Not sure what to say when I ring them either


A) Scrapping it
B) Damaged my car not worth repairing, not making a claim and I'm scrapping it.

???

[TVR1]

tanderson said:

TVR1 said:

Quoted, you know, just in case.....

Although the above story is absolute rubbish, please humour me with a question- As there is no grace period after the expiry of your insurance and you are, in fact, uninsured, how have you managed to avoid being done for no insurance after plod attended?

You've got the wrong end of the stick. By 14 day grace period I meant my car insurance had automatically renewed less than 14 days ago and I know its easier to cancel during this period. The police checked all my details at the road side, before you call me a liar or a crook.

I didn't get the wrong end of the stick, you gave us incorrect facts. I have neither a crystal ball nor a divining rod to ascertain that what you stated was not actually correct.

[tanderson]

TVR1 said:

I didn't get the wrong end of the stick, you gave us incorrect facts. I have neither a crystal ball nor a divining rod to ascertain that what you stated was not actually correct.

Apologies for the incorrect information. Now what you know the situation what do you think I should do? It seems like the majority would just say they are scrapping it? I suppose people don't ring up their insurance if they scrape their car or back into a wall, though technically they should as should I? The only difference is I involved the police?

[oohcarfreind]

Do what helps you sleep easier at night. I think you would be better of telling them as you seem worried about future ramifications.

[dave_s13]

There is no moral obligation to tell them anything other than you are scrapping the car.

If you grass yourself up needlessly then you are at fking idiot!

:-)

[xRIEx]

dave_s13 said:

There is no moral obligation to tell them anything other than you are scrapping the car.

If you grass yourself up needlessly then you are at fking idiot!

:-)

There is a contractual (and with motor insurance, legal) obligation though

[tanderson]

xRIEx said:

There is a contractual (and with motor insurance, legal) obligation though

Is there anyway they could find out? Would the police inform them? I mean if you've ever knocked your wing mirror or bumped your car you are breaking the law not reporting that to your insurer as well right? Only difference is I caused more damage to my own car, but so what? Its technically just as bad to not report a small bump surely, and nobody in their right mind would tell me to report me knocking my wing mirror off. Obviously I'm playing deviles advocate here- just as the poster 2 above said. Seems pointless to needlessly f**k myself over...

Just did 2 quotes (one with a no claim no cost accident and one with nothing and it made about £150 difference)...

[moebiusuk]

I've called the insurance company before with a notice of information and haven't noticed any increase in my quotes.

EDIT: Did you get any Accident Report number? If so, it's definitely recorded a traffic accident so you should tell your insurer.

Edited by moebiusuk on Friday 29th August 17:34

[tanderson]

moebiusuk said:

I've called the insurance company before with a notice of information and haven't noticed any increase in my quotes.

Just did 2 quotes on an insurer online with the only difference being I put a no claim accident on one with a cost of £0 and the price difference was relatively wide?

[tanderson]

http://www.thisismoney.co.uk/money/cars/article-24...

"A separate dispute over renewal prompted Umang to complain again to Hastings this month about his notification being treated as a claim. After contacting The Mail on Sunday, he has been refunded £250.
Hastings Direct says: ‘We would like to formally apologise to Mr Anand and we will be offering £50 compensation in recognition of any inconvenience caused."

I actually did my quotes with Hastings and they were still different. But according to this article that shouldn't happen any more?

[tanderson]

moebiusuk said:

I've called the insurance company before with a notice of information and haven't noticed any increase in my quotes.

EDIT: Did you get any Accident Report number? If so, it's definitely recorded a traffic accident so you should tell your insurer.

Edited by moebiusuk on Friday 29th August 17:34

No they didn't give me one but I rung 101 so I'm guessing its reported as an accident. When the police officer turned up he just told me to tell my insurance I was scrapping it though? He obviously doesn't think theres a record they could see.

I'm erring towards just telling them it got damaged but I'm not claiming and scrapping my car but there was a hefty price difference in the quotes (even though there apparently shouldn't be) so I'm not sure what to do..

[xRIEx]

tanderson said:

xRIEx said:

There is a contractual (and with motor insurance, legal) obligation though

Is there anyway they could find out? Would the police inform them? I mean if you've ever knocked your wing mirror or bumped your car you are breaking the law not reporting that to your insurer as well right? Only difference is I caused more damage to my own car, but so what? Its technically just as bad to not report a small bump surely, and nobody in their right mind would tell me to report me knocking my wing mirror off. Obviously I'm playing deviles advocate here- just as the poster 2 above said. Seems pointless to needlessly f**k myself over...

Just did 2 quotes (one with a no claim no cost accident and one with nothing and it made about £150 difference)...

That's what I meant above about getting away with it, and that I don't know with any certainty either way; I'm fairly sure the police won't be informing them.

Although the law has changed recently, the old wording was any 'material fact' had to be declared, a material fact being something that would affect the insurer's decision to take on the risk or the premium to charge; a small scratch on a wing mirror is not likely to affect their decision, but rolling a car through driver error most definitely is.

The questions when getting quotes are most likely to be along the lines of, "has any incident occurred that might give rise to a claim, whether a claim has been made or not?" Rolling the car certainly falls into that category and as stated, even though no claim has or will be made; it's the incident they want to know about.

[dave_s13]

xRIEx said:

dave_s13 said:

There is no moral obligation to tell them anything other than you are scrapping the car.

If you grass yourself up needlessly then you are at fking idiot!

:-)

There is a contractual (and with motor insurance, legal) obligation though

Look son, I don't get to drive a ten year old citroen C5 diesel by following the rules. Life's tough, you gotta stick it to the fkrs once in a while ;-)

[xRIEx]

tanderson said:

http://www.thisismoney.co.uk/money/cars/article-24...

"A separate dispute over renewal prompted Umang to complain again to Hastings this month about his notification being treated as a claim. After contacting The Mail on Sunday, he has been refunded £250.
Hastings Direct says: ‘We would like to formally apologise to Mr Anand and we will be offering £50 compensation in recognition of any inconvenience caused."

I actually did my quotes with Hastings and they were still different. But according to this article that shouldn't happen any more?

Completely different situation - that driver was not at fault and no damage was done; in your situation you were at fault and significant damage resulted.

[tanderson]

xRIEx said:

That's what I meant above about getting away with it, and that I don't know with any certainty either way; I'm fairly sure the police won't be informing them.

Although the law has changed recently, the old wording was any 'material fact' had to be declared, a material fact being something that would affect the insurer's decision to take on the risk or the premium to charge; a small scratch on a wing mirror is not likely to affect their decision, but rolling a car through driver error most definitely is.

The questions when getting quotes are most likely to be along the lines of, "has any incident occurred that might give rise to a claim, whether a claim has been made or not?" Rolling the car certainly falls into that category and as stated, even though no claim has or will be made; it's the incident they want to know about.

Yes I completetly agree. But surely anyone that has scratched a relativley nice car would also fall into this category. If I were to inform them- can I play it down and just say car was damaged noone was invovled. Or do I have to say "I rolled my Nissan Micra through my own error". Just worried about opening a can of worms by informing them- don't want "rolled his car through driver error" on the insurance database through my own doing but don't mind "No Claim Incident reported- no cost", if that makes sense?

I really don't like being sneaky but numerous people have just told me I'm screwing myself over??

In conclusion could I compromise by informing them but saying "I scraped the verge and damaged my car, no damage was done to anything else" or will they ask loads of questions?

[tanderson]

xRIEx said:

Completely different situation - that driver was not at fault and no damage was done; in your situation you were at fault and significant damage resulted.

True but I put a quote through with "No Claim- No Cost" - in effect the same thing that the guy is claiming to have and the quote did go up even though Hastings claimed that was an error and shouldn't happen?

[tanderson]

dave_s13 said:

Look son, I don't get to drive a ten year old citroen C5 diesel by following the rules. Life's tough, you gotta stick it to the fkrs once in a while ;-)

If I wont be driving for a year or two anyway is it worth just being completely honest. Or am I being an idiot?

[sherbertdip]

You are being an idiot asking advice on PH, you will get a huge spectrum of "advice", anecdotes, maybe's and do's don'ts.

Only you can decide what to do, take responsibility for your actions, whether it is the correct thing maybe time will tell, but stop fannying about, stop answers questions, listening to strangers who know best and just do something!

I'm not going to tell you what I would do in your situation because then i would be a hypocrite.

You are however a liability, you must have been driving too fast for the road, luckily this time you didn't hit or damage anything but your car, let's hope there isn't a next time.

[tanderson]

sherbertdip said:

You are being an idiot asking advice on PH, you will get a huge spectrum of "advice", anecdotes, maybe's and do's don'ts.

Only you can decide what to do, take responsibility for your actions, whether it is the correct thing maybe time will tell, but stop fannying about, stop answers questions, listening to strangers who know best and just do something!

I'm not going to tell you what I would do in your situation because then i would be a hypocrite.

You are however a liability, you must have been driving too fast for the road, luckily this time you didn't hit or damage anything but your car, let's hope there isn't a next time.

You're right I will just tell them, its worth the piece of mind and I won't be driving for a few years anyway. This was I should keep my no claims as well?