Need to declare/how to declare "collision"

[carreauchompeur]

Folks,

A year ago my partner parked his car at the airport in official parking. It was moved by their parking company and, whilst being driven by one of the company staff, another member of staff reversed a car into it!

It was a nightmare start to finish and they didnt even own up, however they ended up sorting the damage. Quite a lot in the end, over £2k.

Partner called his insurance at the time to inform them of the incident. Apparently since then when his mum came to renew her insurance it was flagged that he, as a named driver, had had a colliision.

I'm now renewing my insurance... I have to declare it as it's clearly logged on CUE, but how? There doesn't seem to be any option other than for 'non fault claim' which is pushng my insurance up by £50!

I get that it could have been parked and hit, but in this case it was being driven by someone else that we had no control over!

[Captain_Morgan]

He didn’t have a accident, he didn’t claim on his insurance there was no need to report the incident, I’d contact the respective companies and instruct them to remove the incident.

[littleredrooster]

It wasn't your car, you didn't have a collision, you didn't make a claim, it wasn't your insurance policy. What is there to report?

[Tribal Chestnut]

Some folk seem intent on wasting their money.

[TwigtheWonderkid]

carreauchompeur said:

Folks,

Apparently since then when his mum came to renew her insurance it was flagged that he, as a named driver, had had a colliision.

I'm now renewing my insurance... I have to declare it as it's clearly logged on CUE, but how? There doesn't seem to be any option other than for 'non fault claim' which is pushng my insurance up by £50!

I get that it could have been parked and hit, but in this case it was being driven by someone else that we had no control over!

Your partner needs to get on to their insurance and get it off CUE, as it shouldn't be on there. Their car, whilst being driven by someone else and insured by someone else, was involved in an accident. Nothing to do with your partner. If I lend my car to my brother who insurers it himself, he crashes it, his insurers fix it, it's nothing to do with me.

Imagine a lease company. They might have 10K cars out on lease with punters who arrange their own cover, and maybe 500 of those will be involved in an accident. If the lease company have a few cars of their own for their staff on a policy, they don't have to say to their insurers "by the way, 500 cars we own were involved in accidents this year".

[carreauchompeur]

Tribal Chestnut said:

Some folk seem intent on wasting their money.

Thanks, I’m actually intent on NOT wasting my money since this ‘claim’ on his insurance puts mine up by £50 with him as a named driver!

[martinbiz]

carreauchompeur said:

Tribal Chestnut said:

Some folk seem intent on wasting their money.

Thanks, I’m actually intent on NOT wasting my money since this ‘claim’ on his insurance puts mine up by £50 with him as a named driver!

I think was referring to your partner rather than you as to why he even thought it would be a good idea to tell the insurance co about an accident he didn't have and when there was absolutely no requirement to do so

[Sheepshanks]

I do think you need to be a little bit careful here if you want to be pedantic about it - some insurers "need to tell us" clauses are quite wide ranging. Admiral (so presumably their whole group) wants to know about any incidents affecting the insured vehicle and drivers.

[TwigtheWonderkid]

Sheepshanks said:

I do think you need to be a little bit careful here if you want to be pedantic about it - some insurers "need to tell us" clauses are quite wide ranging. Admiral (so presumably their whole group) wants to know about any incidents affecting the insured vehicle and drivers.

It wasn't an insured vehicle, as someone else was insuring for the accident it was involved in, and he wasn't the driver. There isn't a single insurance company that asks about accidents where the car was insured elsewhere and driven by someone else not on you policy.

As I said upthread, do lease companies tell their own insurance company about the thousands of accidents the cars they own (which they will insure under a contingency cover) are involved in whilst leased out to customers who have their own insurance on them? Of course they don't.

[Hugo Stiglitz]

I fund this annoying. 4yrs ago someone approaching me decided to squeeze round my stationary car and clipped the very rear quarter causing a drag lune of my paint along his car. He was very old and I thought no probs/let it go.

However on both my bike AND car insurance the question is have you ever had an accident, cost of CLAIM. "Rider hit by third party".

There was none. 0. No claim, no cost etc. Yet as I logged it with the police force as a rtc (transparency due to my job) I now have to declare it.

I've also noticed now a claim can also be classed as a replacement windscreen fitted.

So 5 yrs of increased premiums for no claim, no repaired cost or injury. I don't buy into their stats. It should be zero applied if its 100% no fault.

[Sheepshanks]

TwigtheWonderkid said:

It wasn't an insured vehicle,

Give over - it’s the vehicle noted on the policy.

I wouldn’t be surprised if Admiral’s thinking is to ask so that if there’s any subsequent event they can lower the payout.

ETA: Sorry, I was reading this as if you meant the original incident was irrelevant.

Edited by Sheepshanks on Saturday 1st April 10:48

[Armchair_Expert]

You do need to declare it, it is irrelevant as t the semantics, the vehicle was involved in an incident whilst it was insured, that counts. The algorithms that denote risk include non fault even cases where a vehicle is parked and unattended. The fact that the vehicle has been in an incident, despite the circumstance, has a knock on effect statistically on the likelihood if it being involved in another incident. Risk comes from additional factors such as lifestyle, demographics and where you elect to park / who you use to park your vehicle - hence why it needs to be declared.

[carreauchompeur]

No, it’s not the car on the policy-I’m insuring my own car with him as a named driver.

Damage happened to his car, it’s listed against him. Annoyingly. He only ever told his insurance since the airport were playing silly buggers…however they wouldn’t cover it anyway!

It’s a bit of a Catch 22 really…if they flag it up they will want more money from me because CUE says no.

Tempted to just leave him off this year, he’s only ever used my car once and in a scrape he could drive it TP on his policy

[Sheepshanks]

carreauchompeur said:

No, it’s not the car on the policy-I’m insuring my own car with him as a named driver.

Damage happened to his car, it’s listed against him. Annoyingly. He only ever told his insurance since the airport were playing silly buggers…however they wouldn’t cover it anyway!

It’s a bit of a Catch 22 really…if they flag it up they will want more money from me because CUE says no.

Tempted to just leave him off this year, he’s only ever used my car once and in a scrape he could drive it TP on his policy

You said in the OP you’d have to declare it as non-fault, but have you asked your insurer?

I guess it’s a question of whether you shouldn’t declare and feel you can defend your position. If you’re going to have it niggling away at your mind then either drop him off the policy or declare it. If it does bump the premium up you could still drop him off.

[Captain_Morgan]

Armchair_Expert said:

You do need to declare it, it is irrelevant as t the semantics, the vehicle was involved in an incident whilst it was insured, that counts. The algorithms that denote risk include non fault even cases where a vehicle is parked and unattended. The fact that the vehicle has been in an incident, despite the circumstance, has a knock on effect statistically on the likelihood if it being involved in another incident. Risk comes from additional factors such as lifestyle, demographics and where you elect to park / who you use to park your vehicle - hence why it needs to be declared.

Just for clarity your position is, if two people are insured via separate policies on the same car should one of them be involved in a accident they are both required to inform their respective insurers?

[Armchair_Expert]

Yes, depending who on who was driving / was last to drive. It happened to us few years ago - I as named driver parked vehicle and walked away. Came back and found third party rolled into it and damaged bumper. Full claim, non fault etc however fully disclosable for 5 years for both of us, as we both were on the policy, which relayed to the car, where there had been an incident. Had a long conversation with the claims dept over it all - they whys and whats etc - hence my post above.

[TwigtheWonderkid]

Armchair_Expert said:

You do need to declare it, it is irrelevant as t the semantics, the vehicle was involved in an incident whilst it was insured, that counts.

User name checks out.

You do not need to declare it.

You have to disclose:
1: Accidents/claims you are involved in
2: Accidents/claims you aren't involved in but which happened on a policy IN YOUR NAME.
3: Accidents/claims that other drivers who are currently on your policy were involved in, be it on your policy or a different policy.

That's it.

In this case, the OP's partner, who is a driver on their policy, didn't have an an accident or claim. Someone who borrowed their car did.

If you add your brother to your policy, you do not have to disclose any accidents his wife has had, even if they were on his policy. In this case, it's the equivalent of you adding your brother and his wife has had an accident in his car that she was insuring herself.

ps. I like to think I'm an actual expert, in insurance policy wordings, insurance law, and the 2015 insurance act.

Edited by TwigtheWonderkid on Saturday 1st April 11:30

[Captain_Morgan]

Captain_Morgan said:

Just for clarity your position is, if two people are insured via separate policies on the same car should one of them be involved in a accident they are both required to inform their respective insurers?

Armchair_Expert said:

Yes, depending who on who was driving / was last to drive. It happened to us few years ago - I as named driver parked vehicle and walked away. Came back and found third party rolled into it and damaged bumper. Full claim, non fault etc however fully disclosable for 5 years for both of us, as we both were on the policy, which relayed to the car, where there had been an incident. Had a long conversation with the claims dept over it all - they whys and whats etc - hence my post above.

That’s a completely different situation though is it not?

You were a named driver on someone else’s policy, you or them made a claim via there policy.

In the situation I gave (& the op’s) the claim are made by 3rd parties & so legitimately you do not need to declare them.

[carreauchompeur]

Thanks all. Tending along the lines of leaving him off at the moment until the CUE entry sorts itself out.

[anonymous-user]

I've been infected by this!

'er indoors hit a parked car in the local Tesco car park. I'm a named driver on the policy and the car is registered in my name.
I claimed on the policy, naming 'er indoors as the driver to blame, car was repaired, other party was sorted out. Re-newed insurance, declaring the fault claim and swallowed the reduction in NCB, no issues.

I re-new insurance on MY car, that 'er indoors is NOT a named driver, and CUE have named me as having a blameworthy claim on my vehicle's policy....a 50% hike in premium....

My only involement is in sorting out 'er claim.....