Discussion
Guys I need a little bit of assistance. I have a car which I insure with me as the Main driver, and both my parents as named drivers. Its an fc policy.
Just had a call from dad to say he's gone into the back of a learner. No damage to my car (I'll be the judge of that later) but significant damage to learners vehicle.
If this goes through insurance it'll count as a claim against me, because im the policyholder, won't it?
Just had a call from dad to say he's gone into the back of a learner. No damage to my car (I'll be the judge of that later) but significant damage to learners vehicle.
If this goes through insurance it'll count as a claim against me, because im the policyholder, won't it?
I had this with my brother the policy is a named driver on my policy. I have been told that if my brother is to be a named driver on a policy in my name then it will go against his name if he's not a named driver then it would need to go against me as it was on my policy.
DOes that make sense?
DOes that make sense?
catman said:
Whilst it will count as a claim on your policy, you can truthfully say that YOU haven't had an accident, when it comes to renewal time.
Tim
This ^^^^^^Tim
Have you had a accident in the the last 5 years? ...No.
Be careful how you disclose it though, make sure they understand: Claim? Yes Accident No.
Admiral got confused, but saved me £250 in the end when they misquoted me.
Them:Have you had a claim? No, it's my wife policy.
Admiral, oh, no claim no accident!
Me: No, no claim, one accident.
FFS.
hora said:
MrPeters said:
Just had a call from dad to say he's gone into the back of a learner. No damage to my car (I'll be the judge of that later) but significant damage to learners vehicle.
I can't help however you've got a lifetimes ammunition now to wind him up with. Whenever I've driven any car belonging to a friend etc etc (as I'm only 3rd party covered on any other car other than my own) theres always been a rule, if I prang it I pay the policy holders increased annual premium(s) AS WELL as the excess.
Thats fair and fair for you to ask of him.
hora said:
diddles said:
If you prang your friends car and it is your fault then you will be paying for all the damage to your friends car yourself. Your own or your friends insurance company is not going to help you. Your friend will not pay any increased premium or excess either as they cannot make a claim if you are not named on their policy. DOC only covers you via your own policy for damages to third parties out with the vehicle that you are driving at the time.
So it would be the cost of the car as well then. I kinda thought so. Guffy said:
Might be me being cynical... but does protecting ones no-claims make any difference when the insurer requests details of accidents or claims in the last 5-years??
I think it affects the % discount you get, but having a claim will add a % surcharge.As far as I can it working. all figures are a guess but explain the principle.
with protection insurance is £1,000 you still have full no claims so you get 80% discount, so you insurance is £200, plus 10% for a claim so £220
without protection insurance is £1,000 you now have only 3 years no claims so you get 50% discount, so you insurance is £500, plus 10% for a claim so £550
TVRleigh_BBWR said:
Guffy said:
Might be me being cynical... but does protecting ones no-claims make any difference when the insurer requests details of accidents or claims in the last 5-years??
I think it affects the % discount you get, but having a claim will add a % surcharge.As far as I can it working. all figures are a guess but explain the principle.
with protection insurance is £1,000 you still have full no claims so you get 80% discount, so you insurance is £200, plus 10% for a claim so £220
without protection insurance is £1,000 you now have only 3 years no claims so you get 50% discount, so you insurance is £500, plus 10% for a claim so £550
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