Absolutely gutted!!!

[Paul V]

I’ve had my Griff 2 weeks, the first week it spent at peninsula getting serviced, I then brought it home, I was playing with the heater valve in the foot well whilst it was parked in our car park at home, I left the door open and walked round the other side when my neighbour reversed round the corner straight into the open door, the door was ripped off completely!

To make matters worse the neighbour is uninsured, so know if he is deemed unable to pay I’ll lose all my NCD.

The car is now with Webb’s, but they said they wouldn’t have a door for 4-6 weeks, so I’ll be without my new car for about 2 months!!!

[zippy500]

Gutter, sorry to hear it buddy. Is you neighbour now pushing up daisys.

[NickD]

Really sorry to hear this.

Although, what was your neighbour doing driving whilst uninsured? I really don't think you should have to go to your insurance company on this one. I think it's a case of him coming up with the cash or you reporting him.

Hope you get it back soon.

[mondeoman]

He's uninsured????? F@ckin well report him to plod then - get the b@as@rd of the roads pronto!!!

[Podie]

If he's uninsured, can't you procescute / tell the rozzers?

[craigalsop]

Podie said: If he's uninsured, can't you procescute / tell the rozzers?

Absolutely!!!!He obviously has a car, so that's at least one asset to seize. Do/did you get on well with your neighbour?

[Paul V]

Tried the police, they weren’t interested, they said if he’s given his address let the insurance deal with it, I can see I’ll be having fun trying to get the money and keep my NCD!

Can’t believe they wouldn’t do anything, he’s still driving the car and I presume he’s still uninsured!

Fortunately I still have the S as we were off to France at the weekend with the mid Kent group, so didn’t miss my trip, was so looking forward to doing it in the Griff though!

[zippy500]

How can jonny law not be interested if hes still driving it, bunch of fkin tozzers. useless. This really winds me up, incase you hadnt realised.

[Imelda]

Don't quote me on this, but I think insurance companies run a system wherby any losses incurred as a result of a no-fault accident involving an uninsured driver are paid out of a central fund, thus leaving your NCB unaffected.

I could be wrong on this, but here's hoping.......

[mondeoman]

Paul V said: Tried the police, they weren’t interested, they said if he’s given his address let the insurance deal with it, I can see I’ll be having fun trying to get the money and keep my NCD!

Can’t believe they wouldn’t do anything, he’s still driving the car and I presume he’s still uninsured!

Take it higher up the chain!! The grief they'd give you if they stopped you and you had no insurance yet they can't be arsed to deal with a scrote like this. Ah well, must be cos he wasn't speeding! T@ssers!

[Podie]

Paul V - if you tell your insurers what happened, and that you want to claim from him... that his name is "x" his car reg is "nxxx nnn" and he lives at "y"... then leave it to them!

They'll find out he's uninsured and therefore will be obliged to report it to the rozzers!

[lensey]

I think a letter to your local paper is in order, how can the Police just ignore a crime being committed?

[P7ULG]

lensey said: I think a letter to your local paper is in order, how can the Police just ignore a crime being committed?

If he is uninsured his car is probably not MOT ed or Taxed.The Police are very interested in untaxed cars!Am I right in understanding that cars that are not taxed get crushed.Just a thought


>> Edited by P7ULG on Tuesday 15th October 11:05

[CleG]

What did your neighbour say?

p.s get some photo's of both his car and yours .. jsut incase there is any denial in the near future.

I feel for you mate ..

[Paul V]

I’ve actually just spoken to the neighbour and they are looking at getting a loan to pay for the damage to the car, that means if they pay I might get to keep my NCD. The car has a recent tax disc etc so it must have been insured recently.

[douglasr]

Imelda said: Don't quote me on this, but I think insurance companies run a system wherby any losses incurred as a result of a no-fault accident involving an uninsured driver are paid out of a central fund, thus leaving your NCB unaffected.

I could be wrong on this, but here's hoping.......

No, you are right...need to check with an insurance company tho to confirm the name of the organisation/fund

[mervynP]

Imelda said: Don't quote me on this, but I think insurance companies run a system wherby any losses incurred as a result of a no-fault accident involving an uninsured driver are paid out of a central fund, thus leaving your NCB unaffected.

I could be wrong on this, but here's hoping.......

The Motor Insurance Bureau is funded by the insurance industry to pay claims against uninsured drivers. They are a little slow and charge a few hundred pounds excess (I suggest that you pursuade your neighbour to stump this up ) but they are a godsend when thing s look a bit iffy. If your insurance company don't involve them, ask them why not....

www.mib.org.uk/index.asp

ps Sorry Imelda

[Paul V]

I have been told by the uninsured loss recovery people that the MIB only cover the uninsured bit, i.e. my excess, because I’m fully comp they will only claim back my excess then my insurance will pay the rest.

[simpo one]

Ouch. You have my sympathy.

However, there is one course of action not yet mentioned (I think). Sue him for the cost. Best see a lawyer/CAB first though. And of course you have the ace card that if he doesn't play ball and cough up, the police just 'might' find out he is driving without insurance, which can be up to 11 points and a BIG fine I think.

The minor problem is that he is your neighbour, so probably best in the long run to settle it amicably...

[Hut49]

Paul V said: I’ve actually just spoken to the neighbour and they are looking at getting a loan to pay for the damage to the car, that means if they pay I might get to keep my NCD. The car has a recent tax disc etc so it must have been insured recently.

Commiserations - this is a desperately sad tale. I really hope it works out OK and speedily for you and your griff.

Did you give your neighbour a copy of the written quotation for repair of the damage? Even if it looks like your neighbour is going through the motions I would think about having a solicitor draft an appropriate letter and send this with the quotation. Perhaps get it sent with recorded delivery so there can be no dispute later.

Hutch