Parked Car Accident - Claim

[Biker9090]

May well be a very stupid question but it's been a long day....

Some time ago I parked my mums car at the side of the road after having used it (I am/was a named driver on the policy in her name). The next day a neighbours cars handbrake "failed" and bumped into my mums. This was dealt with through the neighbours insurance with my mum not claiming on hers.

Does this count as ME being involved in an accident when it comes to doing insurance quotes online?

[Sebring440]

Biker9090 said:

May well be a very stupid question but it's been a long day....

Some time ago I parked my mums car at the side of the road after having used it (I am/was a named driver on the policy in her name). The next day a neighbours cars handbrake "failed" and bumped into my mums. This was dealt with through the neighbours insurance with my mum not claiming on hers.

Does this count as ME being involved in an accident when it comes to doing insurance quotes online?

I guess it will be down to who admitted to being the "driver" who parked the car at the side of the road? Was that a question that was asked during the insurance claim?

[Biker9090]

Sebring440 said:

I guess it will be down to who admitted to being the "driver" who parked the car at the side of the road? Was that a question that was asked during the insurance claim?

Not that I'm aware of, no. My current insurer said it wasn't anything to do with me but curious as to others.

[No ideas for a name]

Biker9090 said:

Does this count as ME being involved in an accident when it comes to doing insurance quotes online?

I would say no, you were no longer in charge of the vehicle having handed it back the previous day.
'Control' of the vehicle had passed back to your Mum.
Even more so if you don't live at the same address (I don't know if this is the case though).

[coldel]

Usually in the process they will ask who parked the car there. Even if its a non fault accident you have to declare making a non fault claim if you declared you were the person that parked it there, it does count against you. I had the same happen to me, it added about 5% to my insurance.

[Biker9090]

Thanks.

Just finally managed to speak to another who said the same thing. Not the main policy holder and as I'd parked it and left then it's irrelevant to my policy.

[Scrump]

There was a post on here not too long ago where a chap had difficulties when renewing his insurance due to not declaring an accident. Turns out he had parked his wife’s car which had subsequently been damaged and he was recorded as the driver as he told the insurance he was the last to drive it.

[coldel]

Biker9090 said:

Thanks.

Just finally managed to speak to another who said the same thing. Not the main policy holder and as I'd parked it and left then it's irrelevant to my policy.

If your mum told the insurance company you parked it this will be recorded against you as a non fault accident. So you would need to declare it on any policy you take out where they ask if you have been involved in any claims.

[Biker9090]

Just spoken to her for further clarification. The question as to who was the last driver wasn't asked with neither being recorded as at fault by them.

Guess it's another of these individual insurer one if my underwriters don't see it as relevant.

[coldel]

Yes if she never mentioned it then it will be held against her as a non fault claim.

[E-bmw]

The car was parked.

As the car was parked there was no driver.

Therefore the last driver can't have been at fault unless the 3rd party is claiming that the car's position was the fault.

[dibblecorse]

coldel said:

Biker9090 said:

Thanks.

Just finally managed to speak to another who said the same thing. Not the main policy holder and as I'd parked it and left then it's irrelevant to my policy.

If your mum told the insurance company you parked it this will be recorded against you as a non fault accident. So you would need to declare it on any policy you take out where they ask if you have been involved in any claims.

Stop talking absolute bks and then repeating it.

The OP has had neither an accident or a claim, his mum has had a claim, the OP need not declare a thing.

Now one of us has worked for a car insurer and one hasn't, so that's why I know I'm right.

[LosingGrip]

E-bmw said:

The car was parked.

As the car was parked there was no driver.

Therefore the last driver can't have been at fault unless the 3rd party is claiming that the car's position was the fault.

I'm sure that there is some case law that covers this situation. I'll bring it up on briefing tomorrow evening if I can't find it before work (I have such an exciting life!).

[Sheepshanks]

Biker9090 said:

My current insurer said it wasn't anything to do with me but curious as to others.

Seems odd to pursue this when you already have an answer in your favour.

I’m sure if you really want to be held liable and you tell every insurer about it then you’ll find some who are only too happy to take extra premium off you.

[coldel]

dibblecorse said:

Stop talking absolute bks and then repeating it.

The OP has had neither an accident or a claim, his mum has had a claim, the OP need not declare a thing.

Now one of us has worked for a car insurer and one hasn't, so that's why I know I'm right.

Its 100% how it works as I had this exact same incident happen to me. Parked my wifes car, our insurance company was informed, they checked who parked it. When I went to reinsure the insurance company (Admiral) said they had on record me having a non fault claim as a named driver on her car.

So I guess a well established insurance company has it all wrong and I would suggest you call them up and tell them they don't know how to do insurance here are their contact details to help you tell them whats what https://www.admiral.com/contact-us

[Sheepshanks]

coldel said:

Its 100% how it works as I had this exact same incident happen to me. Parked my wifes car, our insurance company was informed, they checked who parked it. When I went to reinsure the insurance company (Admiral) said they had on record me having a non fault claim as a named driver on her car.

So I guess a well established insurance company has it all wrong and I would suggest you call them up and tell them they don't know how to do insurance here are their contact details to help you tell them whats what https://www.admiral.com/contact-us

You do know that Admirial have a well-founded reputation for taking every possible opportunity to extract money from their customers, don't you?

[MustangGT]

Sheepshanks said:

coldel said:

Its 100% how it works as I had this exact same incident happen to me. Parked my wifes car, our insurance company was informed, they checked who parked it. When I went to reinsure the insurance company (Admiral) said they had on record me having a non fault claim as a named driver on her car.

So I guess a well established insurance company has it all wrong and I would suggest you call them up and tell them they don't know how to do insurance here are their contact details to help you tell them whats what https://www.admiral.com/contact-us

You do know that Admirial have a well-founded reputation for taking every possible opportunity to extract money from their customers, don't you?

Exactly, as soon as I read the word 'Admiral' I knew what was going to be said.

[Biker9090]

Sheepshanks said:

Seems odd to pursue this when you already have an answer in your favour.

I’m sure if you really want to be held liable and you tell every insurer about it then you’ll find some who are only too happy to take extra premium off you.

It was curiosity for online quotes as much as anything else. I have rather severe anxiety about insurance.

But yes, I wasn't driving at the time, as far as i was concerned i had moved it off of the drive so my gf could get her car out and it was waiting there for my mum to come and collect as i'd stopped using it a few days before and she had asked me to keep it there for a few days whilst she had workmen taking up spaces at hers. My mum told her insurance company someone had hit the parked car and they went after the third party - who admitted full liability. Mums insurer never asked the question as to who was the last to drive it. My Bike insurer said I wasn't driving/it was parked so is irrelevant to me.