Car damaged in garage
Discussion
On classic car forum I frequent a chap had his classic badly damaged while in a garage being MOT'd. As usual for the internet there's lots of conflicting advice and arguments breaking out. The main one is whether he should tell his insurance company or not. The garage or their insurance company presumably will pay for the damage. So what's the precedent here?
anothernameitist said:
Think and only think, the question an insurer would ask is
"have you had an accident or claim in the past x years"
The answer is therefore no.
As the garage is the claimant and the one having the accident.
BUT if its a classic policy would the policy wording be different???
This."have you had an accident or claim in the past x years"
The answer is therefore no.
As the garage is the claimant and the one having the accident.
BUT if its a classic policy would the policy wording be different???
Who is the claimant? The garage, because their liability to their customer is their loss. Owner would only claim if garage denied liability. At which point owner's insurers would pursue the garage.
Even though the person was not anywhere near the garage when the accident happen to his car come renewal time his premiums will probably go up as his insurance company will deem him a bigger risk and more likely to have an accident than before.
I had a no fault claim when someone reversed into my car at a petrol station when it was stationery and I was not in the car so now my insurance company think I am a bigger risk with higher premiums at renewel time.
I rang them and had a good discussion with them and they agreed to me paying the same as last year.
I had a no fault claim when someone reversed into my car at a petrol station when it was stationery and I was not in the car so now my insurance company think I am a bigger risk with higher premiums at renewel time.
I rang them and had a good discussion with them and they agreed to me paying the same as last year.
btcc123 said:
Even though the person was not anywhere near the garage when the accident happen to his car come renewal time his premiums will probably go up as his insurance company will deem him a bigger risk and more likely to have an accident than before.
I had a no fault claim when someone reversed into my car at a petrol station when it was stationery and I was not in the car so now my insurance company think I am a bigger risk with higher premiums at renewel time.
I rang them and had a good discussion with them and they agreed to me paying the same as last year.
This is getting ridiculous. This same old tired line about premiums going up when you've had a non-fault claim is bI had a no fault claim when someone reversed into my car at a petrol station when it was stationery and I was not in the car so now my insurance company think I am a bigger risk with higher premiums at renewel time.
I rang them and had a good discussion with them and they agreed to me paying the same as last year.
ks. It's been proven many, many times one here that some people didn't see their premiums rise, so why does it get trotted out as fact continually?Oh, amd I wouldn't tell my insurer anyway, as it was dealt with by the garage and their insurer.
LoonR1 said:
This is getting ridiculous. This same old tired line about premiums going up when you've had a non-fault claim is bks. It's been proven many, many times one here that some people didn't see their premiums rise, so why does it get trotted out as fact continually?
Oh, amd I wouldn't tell my insurer anyway, as it was dealt with by the garage and their insurer.
Mine have gone up each time i have had a non-fault claim, about 3-4 times in the past 9 years. Thats not to say it always does though! But i don't think that i am the exception.ks. It's been proven many, many times one here that some people didn't see their premiums rise, so why does it get trotted out as fact continually?Oh, amd I wouldn't tell my insurer anyway, as it was dealt with by the garage and their insurer.
jimmy156 said:
Mine have gone up each time i have had a non-fault claim, about 3-4 times in the past 9 years. Thats not to say it always does though! But i don't think that i am the exception.
Read this, it was some more detailed market research than yourshttp://www.theguardian.com/money/2014/apr/16/no-fa...
"......... we're quoted 30% higher premiums by a small number of insurers........" Note not "all" but a "small number"
"With one no fault claim, approximately 60% of insurers applied no loading to the premium at all"
LoonR1 said:
Read this, it was some more detailed market research than yours
http://www.theguardian.com/money/2014/apr/16/no-fa...
"......... we're quoted 30% higher premiums by a small number of insurers........" Note not "all" but a "small number"
"With one no fault claim, approximately 60% of insurers applied no loading to the premium at all"
Can you answer the most important question of allhttp://www.theguardian.com/money/2014/apr/16/no-fa...
"......... we're quoted 30% higher premiums by a small number of insurers........" Note not "all" but a "small number"
"With one no fault claim, approximately 60% of insurers applied no loading to the premium at all"
what is the car was it in the picture on that article ?
LoonR1 said:
This is getting ridiculous. This same old tired line about premiums going up when you've had a non-fault claim is bks. It's been proven many, many times one here that some people didn't see their premiums rise, so why does it get trotted out as fact continually?
Oh, amd I wouldn't tell my insurer anyway, as it was dealt with by the garage and their insurer.
My colleague got knocked of his L plated bike, he was established on the carriageway, a girl pulled out of a T junction and he went over the bonnet. Cops called, air ambulance called, he has a night or two in hospital, girl gets charged with something or other, cops say he has no case to answer. I don't doubt that a more experienced rider would have seen it coming a mile off and taken avoiding action, but he wasn't and didn't, still not his fault.ks. It's been proven many, many times one here that some people didn't see their premiums rise, so why does it get trotted out as fact continually?Oh, amd I wouldn't tell my insurer anyway, as it was dealt with by the garage and their insurer.
Fast forward a few weeks and he passes his car test the proceeds to find a car an insurance. Any claims or convictions in the last 5 years? Why yes, and explains the situation and proceeds to get spanked for insurance. Yes it is his first policy after passing his test so is always going to be expensive, but the various insurers told him he is paying more because of the crash which wasn't his fault and left him injured with a knackered bike, all his gear cut off him and him loaded into an ambulance in his kecks.
Willy Nilly said:
LoonR1 said:
This is getting ridiculous. This same old tired line about premiums going up when you've had a non-fault claim is bks. It's been proven many, many times one here that some people didn't see their premiums rise, so why does it get trotted out as fact continually?
Oh, amd I wouldn't tell my insurer anyway, as it was dealt with by the garage and their insurer.
My colleague got knocked of his L plated bike, he was established on the carriageway, a girl pulled out of a T junction and he went over the bonnet. Cops called, air ambulance called, he has a night or two in hospital, girl gets charged with something or other, cops say he has no case to answer. I don't doubt that a more experienced rider would have seen it coming a mile off and taken avoiding action, but he wasn't and didn't, still not his fault.ks. It's been proven many, many times one here that some people didn't see their premiums rise, so why does it get trotted out as fact continually?Oh, amd I wouldn't tell my insurer anyway, as it was dealt with by the garage and their insurer.
Fast forward a few weeks and he passes his car test the proceeds to find a car an insurance. Any claims or convictions in the last 5 years? Why yes, and explains the situation and proceeds to get spanked for insurance. Yes it is his first policy after passing his test so is always going to be expensive, but the various insurers told him he is paying more because of the crash which wasn't his fault and left him injured with a knackered bike, all his gear cut off him and him loaded into an ambulance in his kecks.
I once rode round a blind corner on the wrong side of the road. Does that mean everyone can and the result will be the same?
LoonR1 said:
So what? What does that prove other than your mate was with an insurer who does load for a non-fault. I really don't understand why people think posting one example means that is the case for all.
I once rode round a blind corner on the wrong side of the road. Does that mean everyone can and the result will be the same?
After you had said on here they won't load his premium, I told him, only to be told that his premium was indeed being loaded by all of the insurers he was getting quotes from. He'd been on various comparison sites and into brokers in town, it was the none fault accident putting his premium up. I once rode round a blind corner on the wrong side of the road. Does that mean everyone can and the result will be the same?
LoonR1 said:
This is getting ridiculous. This same old tired line about premiums going up when you've had a non-fault claim is bks. It's been proven many, many times one here that some people didn't see their premiums rise, so why does it get trotted out as fact continually?
Its not bks. It's been proven many, many times one here that some people didn't see their premiums rise, so why does it get trotted out as fact continually?ks though is it, because mine rose significantly with a non fault claim. It happens to a large enough proportion of people to warrant warning the OP of the potential increase in premium.To add balance, I made a claim for my vintage car about 10 years ago. Insurer recovered their loses and even got my excess back for me!
Possible they were a bit nicer to me as the system stuttered a bit initially as my being deaf made it impossible to do things the normal way (claim form completed on phone).
No loading whatsover, the next years premium was almost the same, and before anyone says 'it was a classic policy', no it was a normal one at the time.
Possible they were a bit nicer to me as the system stuttered a bit initially as my being deaf made it impossible to do things the normal way (claim form completed on phone).
No loading whatsover, the next years premium was almost the same, and before anyone says 'it was a classic policy', no it was a normal one at the time.
StottyEvo said:
LoonR1 said:
This is getting ridiculous. This same old tired line about premiums going up when you've had a non-fault claim is bks. It's been proven many, many times one here that some people didn't see their premiums rise, so why does it get trotted out as fact continually?
Its not bks. It's been proven many, many times one here that some people didn't see their premiums rise, so why does it get trotted out as fact continually?ks though is it, because mine rose significantly with a non fault claim. It happens to a large enough proportion of people to warrant warning the OP of the potential increase in premium.Can you see where your comprehension is failing yet?
L
It 100% made a difference, I even argued it out with them on the phone. Also admiral are sneaky buggers, when filling out.a quote it asks about any accidents or convictions in the last 5? Years, I put no.. But on the phone when the go through the quote they ask the same question and then also tack on have you been on a driving awareness course. Thee is no option for this on the form, this puts the price up by £20 for me. I'm sure that is getting near a bait and switch, as I complained about it for the last 2 years..
Why am I with them, well a Honda Accord and a Megane sport are £365 for both fully comp, and I cannot get cheaper. Even though the renewal each year goes up to 700 or something daft, I just start a new quote with my birthday out by one (so the system will start a new quote for you) then use that to get it back down.
LoonR1 said:
I once smoked. That means everyone smokes all the time.
Can you see where your comprehension is failing yet?
My go. Then, with admiral they put it up. Mine went up after someone drove into my car in a car park while I was walking back to it.. Can you see where your comprehension is failing yet?
It 100% made a difference, I even argued it out with them on the phone. Also admiral are sneaky buggers, when filling out.a quote it asks about any accidents or convictions in the last 5? Years, I put no.. But on the phone when the go through the quote they ask the same question and then also tack on have you been on a driving awareness course. Thee is no option for this on the form, this puts the price up by £20 for me. I'm sure that is getting near a bait and switch, as I complained about it for the last 2 years..
Why am I with them, well a Honda Accord and a Megane sport are £365 for both fully comp, and I cannot get cheaper. Even though the renewal each year goes up to 700 or something daft, I just start a new quote with my birthday out by one (so the system will start a new quote for you) then use that to get it back down.
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