Quick question re uninsured driver...
Discussion
My mother was sat in stationery traffic and was heavily rear ended by a large 4x4 that then proceeded to bugger off. Turns out the offending car was on false plates and is obviously not insured.
I'm just curious but her insurance (fully comp) are stating she needs to stump up £350 excess but am I thinking that she should not be out of pocket given the non fault nature if the bump? Her car, a new citroen c3 with 200 miles on the clock is pretty much stoved in at the back and she's understandably upset.
What's the usual course of events when you're involved in a no fault accident with someone I suspects likes dags?
I'm just curious but her insurance (fully comp) are stating she needs to stump up £350 excess but am I thinking that she should not be out of pocket given the non fault nature if the bump? Her car, a new citroen c3 with 200 miles on the clock is pretty much stoved in at the back and she's understandably upset.
What's the usual course of events when you're involved in a no fault accident with someone I suspects likes dags?
Edited by dave_s13 on Monday 22 February 19:32
Depends who she's insured with.
It's a fault accident, as the word is slightly misleading, the deciding factor in fault vs non-fault is whether the insurer recovers their outlay. In this case they won't so it will be a fault claim. However, some insurers now have an uninsured drivers promise, where they either cover your excess, or protect your NCD, or guarantee your premium, or a combination of any of those.
It's a fault accident, as the word is slightly misleading, the deciding factor in fault vs non-fault is whether the insurer recovers their outlay. In this case they won't so it will be a fault claim. However, some insurers now have an uninsured drivers promise, where they either cover your excess, or protect your NCD, or guarantee your premium, or a combination of any of those.
I got punted off the road by a white van back in 2009 whilst on the bike
Accident wasn't my fault but because he buggered off while I was unconscious in a hedge I claimed on my policy for the written off bike
Depends entirely on the policy wording, most will count this situation as a simple claim and as such the excess is payable
Accident wasn't my fault but because he buggered off while I was unconscious in a hedge I claimed on my policy for the written off bike
Depends entirely on the policy wording, most will count this situation as a simple claim and as such the excess is payable
Magic919 said:
It's an excess and it's normal to pay it. It has nothing to do with fault.
She might be able to get some money back from the MIB.
MIB will only pay up for an identified uninsured driver, so when my wife was hit by a Focus on false plates we got nothing back and instead suffered several more years of increased premiums and loss of excess She might be able to get some money back from the MIB.
I think MIB have also got tighter with their rules since.
Well her insurance is telling her a £350 excess is due so got to assume there is no such cover for a hit and run type accident. She's also losing nearly 7 years NCB.
I assume this is a consequence of buying insurance purely based on price rather than quality of cover, generalising there though as I don't know who she's with.
It does indeed appear that the MIB excess is £300 so the only way she would likely be put back in the position she was before said scum back ran into her would be to make a personal injury claim.
What a load of old shoite!!!!
I assume this is a consequence of buying insurance purely based on price rather than quality of cover, generalising there though as I don't know who she's with.
It does indeed appear that the MIB excess is £300 so the only way she would likely be put back in the position she was before said scum back ran into her would be to make a personal injury claim.
What a load of old shoite!!!!
dave_s13 said:
Well her insurance is telling her a £350 excess is due so got to assume there is no such cover for a hit and run type accident. She's also losing nearly 7 years NCB.
I assume this is a consequence of buying insurance purely based on price rather than quality of cover, generalising there though as I don't know who she's with.
It does indeed appear that the MIB excess is £300 so the only way she would likely be put back in the position she was before said scum back ran into her would be to make a personal injury claim.
What a load of old shoite!!!!
She'll be losing two years NCD from 5 years to 3 as a market norm. If she had ten years, then it was 5 years NCD and a further 5 years claim free. The loss of NCD will be clearly stated on her insurance schedule too. I assume this is a consequence of buying insurance purely based on price rather than quality of cover, generalising there though as I don't know who she's with.
It does indeed appear that the MIB excess is £300 so the only way she would likely be put back in the position she was before said scum back ran into her would be to make a personal injury claim.
What a load of old shoite!!!!
snorky782 said:
Depends who she's insured with.
It's a fault accident, as the word is slightly misleading, the deciding factor in fault vs non-fault is whether the insurer recovers their outlay. In this case they won't so it will be a fault claim. However, some insurers now have an uninsured drivers promise, where they either cover your excess, or protect your NCD, or guarantee your premium, or a combination of any of those.
She's with Privilege and they do seem to have an uninsured drivers promise.It's a fault accident, as the word is slightly misleading, the deciding factor in fault vs non-fault is whether the insurer recovers their outlay. In this case they won't so it will be a fault claim. However, some insurers now have an uninsured drivers promise, where they either cover your excess, or protect your NCD, or guarantee your premium, or a combination of any of those.
Privilege said:
Conditions
We will need:
• the car registration number and the make and model of the car; and
• the driver’s details, if possible.
It also helps us to confirm who is at fault if you can get the names
and addresses of any independent witnesses, if available.
When you claim, you may have to pay your excess
It goes on to state the excess and your NCB is refunded/reinstated when they conclude the fault is not yours.We will need:
• the car registration number and the make and model of the car; and
• the driver’s details, if possible.
It also helps us to confirm who is at fault if you can get the names
and addresses of any independent witnesses, if available.
When you claim, you may have to pay your excess
The sticking point is the car being on false plates. They have provided the reg number and make & model though so does this still leave them high and dry?
Edited by dave_s13 on Monday 22 February 20:34
Edited by dave_s13 on Monday 22 February 20:35
Given that it's unidentified, your mother's insurers don't have a third party insurer from which to make a recovery from. Therefore, they'll have to pay out for the damage to your mother's car. In this instance, the excess is applicable and unfortunately, it will be treated as an "at fault" claim.
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