RTC under someone else's insurance

[FunkyGibbon]

Hi All

Just been involved in a 3 car and 1 lorry RTC. Luckily no-one serious injured, just shaken.

Without posting up specific details (as it will be a complex insurance job I'm sure), I was clearly the innocent party in the incident.

The car I was driving was a loaned car from a garage (whilst they sort mine out). I've just found out that the car is comprehensively covered by them for any driver. (Although I'll be liable for any excess should the need arise).

Anyhow, my question is this - as the insurance claim is being made by the garage does this mean I don't have to state on insurance renewal time that I have personally made a claim ('cause I won't have).

TIA

[Dwight VanDriver]

Go through your Policy for your own vehicle with fine tooth comb.

I believe that you will have to declare your incident NOW even though not at fault or that your own Insurance Company will not be involved. Ensure that you emphasise the later two points when you inform.

dvd

Edited by Dwight VanDriver on Monday 27th November 15:51

[FunkyGibbon]

cheers DVD

edited to add - I've studied the policy and their website and the only thing I can find is:

1b Driving other cars
If your certificate of motor insurance says so, this policy provides the
same cover as above in 1a when you are driving any other motor car
as long as you do not own it and it is not hired to you under a hire
purchase or leasing agreement. This cover only applies if:
• <b>there is no other insurance in force which covers the same claim;</b>

which as there is suggest that they will have nothing to do with it - so do I really need to tell them?

I'm cautious of phoning as even though it will be no blame and no claim on their insurance it could well be used to up premiums.

Edited by FunkyGibbon on Monday 27th November 16:47

[^Slider^]

What you have quoted is the permission to drive other cars aspect of your cover.

Under declaration you need to decare ANY collisions in the past 5 years regardless of who the insurer is. When you go for another quote they always ask "any convictions or accidents in the past 5 years"

Bear in mind the databases which the insurers use will record the accident and you as the driver.

You dont need to worry as long as the insurance company recover all costs as regards to penalties on the premium for your own insurance.

[FunkyGibbon]

^Slider^ said:

What you have quoted is the permission to drive other cars aspect of your cover.

Under declaration you need to decare ANY collisions in the past 5 years regardless of who the insurer is. When you go for another quote they always ask "any convictions or accidents in the past 5 years"

Bear in mind the databases which the insurers use will record the accident and you as the driver.

You dont need to worry as long as the insurance company recover all costs as regards to penalties on the premium for your own insurance.

cheers - I understand the need to declare at renewal time - just not sure if I need to inform them now - as the claim is being handled by someone else.

FG

[2 sMoKiN bArReLs]

If in doubt tell 'em. Never give the slippery so & sos the chance to slip off the hook in the event of a claim.

[FunkyGibbon]

2 sMoKiN bArReLs said:

If in doubt tell 'em. Never give the slippery so & sos the chance to slip off the hook in the event of a claim.

aye that's the way I'm thinking now.

Just waiting for the BiB to give me the details of the woman who hit me - she was taken away to hospital straight away - as a precaution I hope, she was heavily pregnant.

edited to add:

Just phoned them and told them I had a no blame incident on someone else's policy and they said, yes I should tell them as it would come up on cross checking. It was confirmed that it would not effect my policy or premiums.

I get the suspicion that once she typed in my details she knew of the other claim being made - perhaps this joined up computer stuff is actually quite useful!

many thanks to all above.

FG

Edited by FunkyGibbon on Monday 27th November 19:18

[sultanbrown]

I had a no fault accident (hit whilst stationary) in which the other driver's insurers paid in full, and I can categorically state that it DOES hike your premium.

[elwe]

I have been hit three times and my premium hasn't risen after any of them.

[gilbertd]

elwe said:

I have been hit three times and my premium hasn't risen after any of them.

I'll agree with that. I declared at renewal time that I was involved in a no fault, full costs recovered accident (rammed up the jacksi while stationary by someone who hadn't quite grasped that wet tarmac has a much lower coefficient of friction than dry tarmac) earlier in the year and it made no difference.

[chrispy porker]

same thing happened to me, made no difference to my premium either,

[FunkyGibbon]

cheers folks. my insurance company confirmed that it will not affect premiums. I eagerly await renewal time to see if that is the case!

FG

[havoc]

sultanbrown said:

I had a no fault accident (hit whilst stationary) in which the other driver's insurers paid in full, and I can categorically state that it DOES hike your premium.

Ditto. Worse, if you have more than one non-fault claim between drivers on the policy in the 'relevant' period, then some insurers won't quote. Some even want to know about glass claims and include them in the total!

Caused no end of bother when my wife had her 2nd bump (this one 50:50 as no witnesses), as between the two of us in 5 years we had:-
2x glass claims (me)
2x non-fault (1 each)
1x fault (her)
...and as a result we were 'referred' or 'not quoted' by a number of insurance cos for either 3 or 5 claims by named drivers in the last 5 years!

FFS - 2 were glass and 2 weren't our fault - by my book that's ONE claim!!!

[deva link]

FunkyGibbon said:

I've just found out that the car is comprehensively covered by them for any driver.

I'm slightly alarmed by the "I've just found out" bit of your post - shouldn't you have found out about the insurance cover *before* you drove the car?

[FunkyGibbon]

deva link said:

FunkyGibbon said:

I've just found out that the car is comprehensively covered by them for any driver.

I'm slightly alarmed by the "I've just found out" bit of your post - shouldn't you have found out about the insurance cover *before* you drove the car?

I assumed I was driving the loan car under my own fully comp insurance - but as 3rd party only.

I didn't realise that the loaner was covered fully comp for any driver by the garage.

[deva link]

FunkyGibbon said:

deva link said:

FunkyGibbon said:

I've just found out that the car is comprehensively covered by them for any driver.

I'm slightly alarmed by the "I've just found out" bit of your post - shouldn't you have found out about the insurance cover *before* you drove the car?

I assumed I was driving the loan car under my own fully comp insurance - but as 3rd party only.

I didn't realise that the loaner was covered fully comp for any driver by the garage.

The garage would (or at least should) ask for your insurance details if they're going to rely on your insurance, and most insurance companies require to be notified of this. In all my years of having courtesy cars I've only ever had this happen once, and the garage called my insurance there and then. A temp cover note turned up a few days later, which was a bit redundant as I'd only had the car for a day.

If your own insurance is fully comp then it would normally cover you fully comp for driving a courtesy car (providing you notify them). Some insurers (ie Frizzell /Liverpool Victoria) provide such cover automatically.