Uninsured driver cover
Discussion
It's that time of year again where I'm doing the dance of insurance renewal, but one thing that I'm looking at this time is uninsured driver protection.
Churchill have been offering an "uninsured driver promise" for a couple of years now, whereby your no claims discount is protected if you're hit by an uninsured driver.
This article ( http://www.lovemoney.com/news/insurance/car-insura... ) is from October 2011, but seemed to suggest that it wasn't really worth it. Is that still the case?
How many here have this cover, or have used it before?
Churchill have been offering an "uninsured driver promise" for a couple of years now, whereby your no claims discount is protected if you're hit by an uninsured driver.
This article ( http://www.lovemoney.com/news/insurance/car-insura... ) is from October 2011, but seemed to suggest that it wasn't really worth it. Is that still the case?
How many here have this cover, or have used it before?
Edited by wombat172a on Tuesday 19th February 14:19
More knowlegeable people than me will arrive soon, but I think there was some agreement made between various insurers a while ago (as in, 12+ years ago) that NCB wouldn't be affected in the case of an uninsured driver accident, although not all insurers signed up to it. I'm vague on the details because I can't remember them, and could be way wrong.
I have had two accidents with uninsured drivers, both of whom drove into the back of me. First one was never seen or heard of again, and I was insured with Direct Line (I think). I do recall a very protracted discussion with them (took several months) when they eventually reinstated my NCB and paid half the excess of the claim for the damage. This was back in 1998 or 1999, so some time back.
Second one was actually caught by the police (more by good fortune than anything else) and was taken to court for all the costs of damage. He (again, after a very long fight) paid up, but that took years - literally. Both uninsured drivers were of the demographic who seem to be most involved in insurance fraud, both lied about having insurance, both gave false details at the scene.
Bear in mind that an undamaged NCD doesn't mean no increase in premiums - the base risk will be seen as higher and you may see your premiums go up steeply, even if you keep your No Claims.
Oli.
I have had two accidents with uninsured drivers, both of whom drove into the back of me. First one was never seen or heard of again, and I was insured with Direct Line (I think). I do recall a very protracted discussion with them (took several months) when they eventually reinstated my NCB and paid half the excess of the claim for the damage. This was back in 1998 or 1999, so some time back.
Second one was actually caught by the police (more by good fortune than anything else) and was taken to court for all the costs of damage. He (again, after a very long fight) paid up, but that took years - literally. Both uninsured drivers were of the demographic who seem to be most involved in insurance fraud, both lied about having insurance, both gave false details at the scene.
Bear in mind that an undamaged NCD doesn't mean no increase in premiums - the base risk will be seen as higher and you may see your premiums go up steeply, even if you keep your No Claims.
Oli.
Excellent, thanks for that. The article I posted seems to suggest that it will be a ballache anyway, even with the additional cover. And as you suggest that you've been covered without it (but again, another ballache), then the additional cover seems to be worthless investment really.
Thanks
Thanks
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