Declaring Hire Car Accident
Discussion
Evening all,
My partner has written off a Dacia Duster hire car (and two other cars) in Iceland over the weekend, and she's asking if she has to tell her UK insurance company. I can't find much with a quick Google so I figured that I'd ask here.
Any questions and I'll relay them to her (she's still in Iceland)
Thanks!
My partner has written off a Dacia Duster hire car (and two other cars) in Iceland over the weekend, and she's asking if she has to tell her UK insurance company. I can't find much with a quick Google so I figured that I'd ask here.
Any questions and I'll relay them to her (she's still in Iceland)
Thanks!
ging84 said:
She definitely doesn't untill renewal. If she should at renewal is another question. I probably wouldnt, but I don't own a car I couldn't afford to replace. If I had a £40k PCP liability I would probably be a bit more cautious.
Yes, no need to advise until renewal. At renewal she should, but I wouldn't. An accident in a foreign hire car would be completely untraceable by a UK insurer.But if she doesn't tell them, she needs to remember she hasn't told them. Because the only way they'll find out is if she tells them if she ever makes a claim on her policy.
Breadvan72 said:
A single mother goes into a benefits office and males a false statement in order to obtain or retain a benefit. PH EXPLODES in outrage.
Middle class motorist? Lie all you wish.
Ah but the single mother deception involves being paid money out by the state that she isn't entitled to. The motorists deception is so he doesn't have his pants pulled down more than necessary by his insurance company upping his renewal.Middle class motorist? Lie all you wish.
As per another thread that was running about when to tell your insurer, it depends on your policy wording.
Some policies are at renewal others are immediately, check what your policy says.
In terms of declaring the accident in another country, surely that depends on what you are asked.
I.e have you had an accident in the last 3/5 years regardless of fault then I would say yes. If it's specifically about your insured car or country specific then probably not.
Try speaking to them without declaring who you are and ask as a hypothetical question.
I will soon be hiring a car abroad and have acquired insurance elsewhere, In the event of a claim/accident would it need to be declared on one of your policy's.
Some policies are at renewal others are immediately, check what your policy says.
In terms of declaring the accident in another country, surely that depends on what you are asked.
I.e have you had an accident in the last 3/5 years regardless of fault then I would say yes. If it's specifically about your insured car or country specific then probably not.
Try speaking to them without declaring who you are and ask as a hypothetical question.
I will soon be hiring a car abroad and have acquired insurance elsewhere, In the event of a claim/accident would it need to be declared on one of your policy's.
Edited by DaveH23 on Sunday 24th November 10:51
Matt_E_Mulsion said:
Ah but the single mother deception involves being paid money out by the state that she isn't entitled to. The motorists deception is so he doesn't have his pants pulled down more than necessary by his insurance company upping his renewal.
As the Insurance Co aims for a certain gross revenue then by not taking that last bit from Ms Iceland the extra is spread across the rest of the policyhlders so everyone else pays a little bit more - no different to the single mother deception.DaveH23 said:
As per another thread that was running about when to tell your insurer, it depends on your policy wording.
Some policies are at renewal others are immediately, check what your policy says.
You do not have to tell them until renewal. Any request to advise earlier is just that, a request, and is not enforceable. Some policies are at renewal others are immediately, check what your policy says.
Matt_E_Mulsion said:
Breadvan72 said:
A single mother goes into a benefits office and males a false statement in order to obtain or retain a benefit. PH EXPLODES in outrage.
Middle class motorist? Lie all you wish.
Ah but the single mother deception involves being paid money out by the state that she isn't entitled to. The motorists deception is so he doesn't have his pants pulled down more than necessary by his insurance company upping his renewal.Middle class motorist? Lie all you wish.
Beetnik said:
Matt_E_Mulsion said:
Ah but the single mother deception involves being paid money out by the state that she isn't entitled to. The motorists deception is so he doesn't have his pants pulled down more than necessary by his insurance company upping his renewal.
As the Insurance Co aims for a certain gross revenue then by not taking that last bit from Ms Iceland the extra is spread across the rest of the policyhlders so everyone else pays a little bit more - no different to the single mother deception.DaveH23 said:
TwigtheWonderkid said:
You do not have to tell them until renewal. Any request to advise earlier is just that, a request, and is not enforceable.
Each Policy can be different. Would you read the highlighted section below as a non enforceable request? 
I'll be the near-lone voice supporting Breadvan.
I'm sick of endlessly paying out more money due to, in varying degrees, fraudsters. And yes, if you get a lower insurance quote than you are entitled to because you lied, then in my eyes it's fraudulent, regardless of any legal definition. And as has been pointed out above, it means I have to pay more. Again.
I'm sick of endlessly paying out more money due to, in varying degrees, fraudsters. And yes, if you get a lower insurance quote than you are entitled to because you lied, then in my eyes it's fraudulent, regardless of any legal definition. And as has been pointed out above, it means I have to pay more. Again.
Breadvan72 said:
It is fraudulent by the legal definition too.
But, crack on. Screw the insurers. Victimless crime innit! Now back to threads cursing cash for crash scammers, benefit scroungers, over expensed MPs, travellers, migrants and cheaty racing drivers.
Is it necessarily fraudulent though? But, crack on. Screw the insurers. Victimless crime innit! Now back to threads cursing cash for crash scammers, benefit scroungers, over expensed MPs, travellers, migrants and cheaty racing drivers.
lets say we had data that proves that if a consumer was asked about 'any' motor claims on a UK policy proposal the majority would honestly not expect that to include an accident in a hire car abroad.
If someone with expert industry knowledge was asked, and knew both that the insurer would take it into account, but a reasonable consumer would not disclose it, would they be able to answer the question as if they were an ordinary consumer?
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