Claiming for time and inconvenience on insurance

[Agent57]

Back in July I was involved in a minor accident that was not my fault. Car has been repaired and my insurance company is trying to claim from other driver's insurance. Other driver denies their fault .All reasonably standard stuff.

Can I claim for my time and inconvenience and general 'stress'? and if so how much?

I don't want to try it on and I have not been particularly out of pocket but I have found the whole episode very annoying and been inconvenienced and had to spend time filling out forms / phone calls etc. Plus with the other driver denying it it has made me feel a bit anxious at times.

I recall about twenty years ago I asked an insurance company to send me £40 for general inconvenience / phone calls / time etc. which they did.

What are your thoughts / my rights? Should I ask for say £100? More / less / not bother?

[Sebring440]

Agent57 said:

Back in July I was involved in a minor accident that was not my fault. Car has been repaired and my insurance company is trying to claim from other driver's insurance. Other driver denies their fault .All reasonably standard stuff.

Can I claim for my time and inconvenience and general 'stress'? and if so how much?

I don't want to try it on and I have not been particularly out of pocket but I have found the whole episode very annoying and been inconvenienced and had to spend time filling out forms / phone calls etc. Plus with the other driver denying it it has made me feel a bit anxious at times.

I recall about twenty years ago I asked an insurance company to send me £40 for general inconvenience / phone calls / time etc. which they did.

What are your thoughts / my rights? Should I ask for say £100? More / less / not bother?

I had to read that twice to believe. it. I find the post very annoying, what can I claim?

[Dog Biscuit]

Agent57 said:

Back in July I was involved in a minor accident that was not my fault. Car has been repaired and my insurance company is trying to claim from other driver's insurance. Other driver denies their fault .All reasonably standard stuff.

Can I claim for my time and inconvenience and general 'stress'? and if so how much?

I don't want to try it on and I have not been particularly out of pocket but I have found the whole episode very annoying and been inconvenienced and had to spend time filling out forms / phone calls etc. Plus with the other driver denying it it has made me feel a bit anxious at times.

I recall about twenty years ago I asked an insurance company to send me £40 for general inconvenience / phone calls / time etc. which they did.

What are your thoughts / my rights? Should I ask for say £100? More / less / not bother?

Why are you writing this thread then if you don't want to try it on and you are not really out of pocket?


All the stressful stuff is just how it is...part and parcel of daily life.

[Blib]

I'd go for.....



Good luck!

[Wish]

Uninsured loss. Suck it up buttercup ….

[Red9zero]

How much time would you spend asking for this £100 ? Personally I wouldn't bother, but then this is PH and we wipe our bottoms with £50 notes.

[TwigtheWonderkid]

Wish said:

Uninsured loss. Suck it up buttercup .

An uninsured loss is a loss you haven't got cover for. It doesn't mean you can't claim it back from a negligent party whose fault it was you incurred it. Your excess is an uninsured loss.

[Agent57]

Thanks for the replies.

I'm just a bit peeved at the the amount of time I've had to spend on it and some of the inefficiencies. Holding on the phone for ages etc.

Insurance companies charge admin fees at £25 a time even for simple changes.

I am merely looking at my personal time from a business perspective and recovering that from the other driver's insurance as this has been caused by the other driver and them compounding their mistake by denying responsibility.

It is a valid point of view to consider / discuss. But I accept there are other counter points.

BTW I saved the insurance companies (and every driver that pays insurance premiums) a fortune by not taking up their offer of a hire car for the long time it took them to repair my car.

[paul_c123]

I believe you can claim for losses if they are tangible, for example if you took time off work unpaid or missed out on work due to the accident. Regarding hire cars, I believe they have a clause where if you don't need a car (for example because you have another at your disposal), you can't just take it for the sake of it.

[Padron]

I had a no fault claim when someone drove into me in traffic

It was settled as a no fault claim

My insurance has still gone up by around £90 on each of the 4 cars I insure.

Is it possible to sue the other party for this?

It is an uninsured loss after all

[joshcowin]

Padron said:

I had a no fault claim when someone drove into me in traffic

It was settled as a no fault claim

My insurance has still gone up by around £90 on each of the 4 cars I insure.

Is it possible to sue the other party for this?

It is an uninsured loss after all

Staggering!

[Agent57]

Padron said:

I had a no fault claim when someone drove into me in traffic

It was settled as a no fault claim

My insurance has still gone up by around £90 on each of the 4 cars I insure.

Is it possible to sue the other party for this?

It is an uninsured loss after all

It's a reasonable question.

I take the suck it up argument some have made for a few pounds or a bit of minor inconvenience but at what point do these things become unreasonable and need to be passed on to the other party or their insurers? £100, £500, £1000. 1 hour, 5 hours, 10 hours of personal time?

[Padron]

Yes, as you have to declare losses for 5 years, this is likely to cost me around £1800 for something that was 100% not my fault in the insurers eyes

[joshcowin]

Padron said:

Yes, as you have to declare losses for 5 years, this is likely to cost me around £1800 for something that was 100% not my fault in the insurers eyes

So take it up with the insurer!!

[Padron]

I may do, I have legal cover after all and it’s annoying, only really became obvious at renewal time although the accident was only 6/12 ago.

They will have all the details already of course.

Thanks

I’m not for vexatious clams but this is a material loss due to someone else’s actions

[Pit Pony]

paul_c123 said:

I believe you can claim for losses if they are tangible, for example if you took time off work unpaid or missed out on work due to the accident. Regarding hire cars, I believe they have a clause where if you don't need a car (for example because you have another at your disposal), you can't just take it for the sake of it.

It used to be that if you chose not to take the hire car you could claim an equivalent cost, for loss of use of your car.

[E-bmw]

Pit Pony said:

paul_c123 said:

I believe you can claim for losses if they are tangible, for example if you took time off work unpaid or missed out on work due to the accident. Regarding hire cars, I believe they have a clause where if you don't need a car (for example because you have another at your disposal), you can't just take it for the sake of it.

It used to be that if you chose not to take the hire car you could claim an equivalent cost, for loss of use of your car.

You still can, I did this with my no-fault claim a couple of years ago.

They asked if I needed it, I said no, they added £400 (IIRC) to the total.

[recordman]

Insurance is irrelevant here isn't it? Just issue a MCOL to the other driver for your losses/inconvenience.

[VSKeith]

Padron said:

Yes, as you have to declare losses for 5 years, this is likely to cost me around £1800 for something that was 100% not my fault in the insurers eyes

It's unlikely to stay at that level for 5 years.

I had a small rise in premium for a non-fault - it had gone after year two.

[kestral]

Padron said:

I had a no fault claim when someone drove into me in traffic

It was settled as a no fault claim

My insurance has still gone up by around £90 on each of the 4 cars I insure.

Is it possible to sue the other party for this?

It is an uninsured loss after all

Yes.