Insurance complication
Discussion
Elderly relative has just had his car written off, other driver has admitted responsibility. (Low speed collision, car still perfectly driveable BTW).
Before he can get the cheque from (I assume) the other guys insurance company, he's been told he has to send the MOT cert and insurance cert.
He's getting worried because he can't find his insurance cert. I pointed out that this must happen all the time and suggested he should ring his insurance company and ask for a copy. The problem now is that insurance company say it's tricky to give a copy now that the car has been written off.
Is it really a problem to get a copy of the insurance cert for a recently written off car whose insurance would otherwise still be in force? And why do the other guys insurance co need the certificate anyway?
Before he can get the cheque from (I assume) the other guys insurance company, he's been told he has to send the MOT cert and insurance cert.
He's getting worried because he can't find his insurance cert. I pointed out that this must happen all the time and suggested he should ring his insurance company and ask for a copy. The problem now is that insurance company say it's tricky to give a copy now that the car has been written off.
Is it really a problem to get a copy of the insurance cert for a recently written off car whose insurance would otherwise still be in force? And why do the other guys insurance co need the certificate anyway?
dacouch said:
It's due to the Road Traffic Act making the issuer of a Certificate of Insurance liable to pay claims on that vehicle in lots of circumstances. As the vehicle has been written off and in effect does not exist the Insurer wants the Certificate back to release them from their liabilities of the RTA.
If you ring them (You may need to speak to Customer Services rather than Claims but try claims first) they should either accept your confirmation over the phone or a letter / email confirming you've lost the Certificate or a sign form declaring you've lost the Certificate.
Interesting thought, I assumed it was the other bloke's insurance company wanting the cert. I can see why his insurance company don't want to send a certificate out just for him to send it back, but since most certificates now are electronic it does seem a bit pointless.If you ring them (You may need to speak to Customer Services rather than Claims but try claims first) they should either accept your confirmation over the phone or a letter / email confirming you've lost the Certificate or a sign form declaring you've lost the Certificate.
dacouch said:
It's more likely the OP is confusing which Insurer is initially paying him, if he's being asked for the certificate it's most likely his own Insurer who are physically paying as the other parties Insurer have no need to see it.
Why would his insurer want to see a certificate they originally issued?Gassing Station | General Gassing | Top of Page | What's New | My Stuff