Need to declare/how to declare "collision"
Discussion
JB99 said:
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.....
Was the policy that she had the claim on, in your name. If so, then it had to be disclosed and although you haven't had an accident, you have made a claim. '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.....
If the policy she claimed on was in her name, then you had no need to disclose it.
The ownership of the car in the accident is not relevant. All that matters is who had the accident, and on whose policy the claim was made.
I find this all particularly vexing since I’m a traffic cop by day and regularly deal with immense, whole scale insurance deception by utter rogues that rarely, if ever, end up having policies cancelled on them!
My most recent rodeo is a scaffolding company boss who insured his van on a personal (with business use) policy and allowed an unlicensed driver to use it. One of his regular employees. Blatant. Caught twice, vehicle seized on both occasions and finally, 2 months later, policy has been cancelled.
There’s such a thing in this world as being too honest.
My most recent rodeo is a scaffolding company boss who insured his van on a personal (with business use) policy and allowed an unlicensed driver to use it. One of his regular employees. Blatant. Caught twice, vehicle seized on both occasions and finally, 2 months later, policy has been cancelled.
There’s such a thing in this world as being too honest.
Sheepshanks said:
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
As others have said I would query the logging of this as a non-fault claim.
- It was not a claim against your partner's policy
- It was not a claim BY your partner
- It was not an incident your partner was involved in.
A 3P damaged the car while in their custody. Their responsibility, their policy, their driver. Surely that's the end of it?
(And yes, I'm conscious that insurance companies are legalised thieving b
ds and don't always work that way, but I'd be pushing back on that one hard)
- It was not a claim against your partner's policy
- It was not a claim BY your partner
- It was not an incident your partner was involved in.
A 3P damaged the car while in their custody. Their responsibility, their policy, their driver. Surely that's the end of it?
(And yes, I'm conscious that insurance companies are legalised thieving b
ds and don't always work that way, but I'd be pushing back on that one hard)Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff