Deliveroo cyclist hit my car - how to proceed with claim?
Discussion
sunnyb13 said:
I haven't reported this to my insurer, as hoping not to put a claim on car insurance, appreciate you should always notify insurer, but not something I want to explore.
Seems bizarre not involving your own insurer after several months of chasing. My wife was hit by a foreign registered HGV, lots of witnesses but no one got the reg, only the name of the company. It later transpired that the company was just a container leasing company so came to a complete dead end. It took around 9 months to sort out and her insurer had to bear the cost. Her insurer had already repaired the car within the first couple of weeks of the claim. Because my wife had witnesses to being a no fault claim, her insurer treated it as such and returned her excess and it had no impact on her No Claims Discount. Her policy cost actually went down the following year. So don't automatically assume involving your insurer will end up costing you money, if that's the worry.If you're still not prepared to go down that route then perhaps telling Zurich that if they don't progress the claim in a set timeframe you'll pass it to an ACM and let them deal with the claim. That will cost Zurich significantly more in the long run and my jolt them into action.
sunnyb13 said:
I haven't reported this to my insurer, as hoping not to put a claim on car insurance, appreciate you should always notify insurer, but not something I want to explore.
You think Zurich haven't entered your claim on the system?Be careful with future declarations come renewal etc.
Are Zurich the cyclist's insurer or you car insurer?
If the cyclist insurer, i would be claiming against them, the individual and Deliveroo themselves, and see which one sticks. Zurich cannot wriggle out of being the insurer of they deliveroo cyclist just because the cyclist is no co-operating with them / you, as that would be absurd.
Get it all up on social media as well, maybe even the mainstream media will be interested, particularly as cyclist insurance has been in the news of late, as well as the panorama program cyclists vs motorists.
If the cyclist insurer, i would be claiming against them, the individual and Deliveroo themselves, and see which one sticks. Zurich cannot wriggle out of being the insurer of they deliveroo cyclist just because the cyclist is no co-operating with them / you, as that would be absurd.
Get it all up on social media as well, maybe even the mainstream media will be interested, particularly as cyclist insurance has been in the news of late, as well as the panorama program cyclists vs motorists.
vonhosen said:
sunnyb13 said:
I haven't reported this to my insurer, as hoping not to put a claim on car insurance, appreciate you should always notify insurer, but not something I want to explore.
You think Zurich haven't entered your claim on the system?Be careful with future declarations come renewal etc.
poo at Paul's said:
Are Zurich the cyclist's insurer or you car insurer?
If the cyclist insurer, i would be claiming against them, the individual and Deliveroo themselves, and see which one sticks. Zurich cannot wriggle out of being the insurer of they deliveroo cyclist just because the cyclist is no co-operating with them / you, as that would be absurd.
Get it all up on social media as well, maybe even the mainstream media will be interested, particularly as cyclist insurance has been in the news of late, as well as the panorama program cyclists vs motorists.
Zurich appear to be the underwriters for collective benefits claims (the cyclists insurers) If the cyclist insurer, i would be claiming against them, the individual and Deliveroo themselves, and see which one sticks. Zurich cannot wriggle out of being the insurer of they deliveroo cyclist just because the cyclist is no co-operating with them / you, as that would be absurd.
Get it all up on social media as well, maybe even the mainstream media will be interested, particularly as cyclist insurance has been in the news of late, as well as the panorama program cyclists vs motorists.
sunnyb13 said:
vonhosen said:
sunnyb13 said:
I haven't reported this to my insurer, as hoping not to put a claim on car insurance, appreciate you should always notify insurer, but not something I want to explore.
You think Zurich haven't entered your claim on the system?Be careful with future declarations come renewal etc.
Name, address etc?
poo at Paul's said:
Are Zurich the cyclist's insurer or you car insurer?
If the cyclist insurer, i would be claiming against them, the individual and Deliveroo themselves, and see which one sticks. Zurich cannot wriggle out of being the insurer of they deliveroo cyclist just because the cyclist is no co-operating with them / you, as that would be absurd.
Get it all up on social media as well, maybe even the mainstream media will be interested, particularly as cyclist insurance has been in the news of late, as well as the panorama program cyclists vs motorists.
More rubbish. If the cyclist insurer, i would be claiming against them, the individual and Deliveroo themselves, and see which one sticks. Zurich cannot wriggle out of being the insurer of they deliveroo cyclist just because the cyclist is no co-operating with them / you, as that would be absurd.
Get it all up on social media as well, maybe even the mainstream media will be interested, particularly as cyclist insurance has been in the news of late, as well as the panorama program cyclists vs motorists.
Zurich weren't negligent. Deliver weren't negligent. The Deliveroo rider was negligent.
The OP needs to obtain a judgment against the Deliveroo rider before Zurich have a duty to satisfy the judgment. Without his address, how is he going to serve proceedings. He only has his name.
dundarach said:
I'd be annoyed OP, however how on earth have you even gotten this far?
What information have you passed on to Deliveroo, a name?
I think you've not a cat in hells chance of getting any further in the slightest.
Name, rider ID, location, time. What information have you passed on to Deliveroo, a name?
I think you've not a cat in hells chance of getting any further in the slightest.
Enough for deliveroo to place the rider at the scene, and confirm it with however the track riders.
KungFuPanda said:
poo at Paul's said:
Are Zurich the cyclist's insurer or you car insurer?
If the cyclist insurer, i would be claiming against them, the individual and Deliveroo themselves, and see which one sticks. Zurich cannot wriggle out of being the insurer of they deliveroo cyclist just because the cyclist is no co-operating with them / you, as that would be absurd.
Get it all up on social media as well, maybe even the mainstream media will be interested, particularly as cyclist insurance has been in the news of late, as well as the panorama program cyclists vs motorists.
More rubbish. If the cyclist insurer, i would be claiming against them, the individual and Deliveroo themselves, and see which one sticks. Zurich cannot wriggle out of being the insurer of they deliveroo cyclist just because the cyclist is no co-operating with them / you, as that would be absurd.
Get it all up on social media as well, maybe even the mainstream media will be interested, particularly as cyclist insurance has been in the news of late, as well as the panorama program cyclists vs motorists.
Zurich weren't negligent. Deliver weren't negligent. The Deliveroo rider was negligent.
The OP needs to obtain a judgment against the Deliveroo rider before Zurich have a duty to satisfy the judgment. Without his address, how is he going to serve proceedings. He only has his name.
RIDER ID
RIDERS NAME
DELIVEROO HQ ADDRESS
Why is it that so many people are scared to tell their insurance that they've been involved in some kind of accident? It's literally what it's for - and almost certainly in your terms and conditions.
The idea that your premium will sky rocket is an internet myth that really needs to die.
The idea that your premium will sky rocket is an internet myth that really needs to die.
davek_964 said:
Why is it that so many people are scared to tell their insurance that they've been involved in some kind of accident? It's literally what it's for - and almost certainly in your terms and conditions.
The idea that your premium will sky rocket is an internet myth that really needs to die.
Hmm, beg to disagree. My wife's car was touched in a carpark (no damage), the person who did that notified their insurance which came back to ours (we didn't even know). Nobody claimed anything, insurance for my wife went up by £1200 to be covered on my two cars so had to drop her off that. The idea that your premium will sky rocket is an internet myth that really needs to die.
Not sure how that works though as there was no claim made by either party on our insurance.
davek_964 said:
Why is it that so many people are scared to tell their insurance that they've been involved in some kind of accident? It's literally what it's for - and almost certainly in your terms and conditions.
The idea that your premium will sky rocket is an internet myth that really needs to die.
mine did on 3 policies following a no fault claim.The idea that your premium will sky rocket is an internet myth that really needs to die.
L1OFF said:
davek_964 said:
Why is it that so many people are scared to tell their insurance that they've been involved in some kind of accident? It's literally what it's for - and almost certainly in your terms and conditions.
The idea that your premium will sky rocket is an internet myth that really needs to die.
mine did on 3 policies following a no fault claim.The idea that your premium will sky rocket is an internet myth that really needs to die.
It doesn't follow that one or other will happen, it depends on individual circumstances.
But in all circumstances you have contractual obligations in relation to honesty.
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