Car Park bump - after the event so for interest only
Discussion
Hi forum,
Last summer OH had a very minor bump in a pub car park whilst trying to maneuver her X-trail out from a sea of randomly parked cars. X-trail rear bumper touched headlight of BMW 3 series. Small 10p sized mark on X-trail bumper and BMW O/S headlight displaced slightly with no lens or body damage. No body to body contact due to vehicle height and shape differential. OH went into packed pub to find owner and exchange details. She said to me they had a brief conversation and mentioned that the guy was a bit of a knob (just a cocky knob, not an aggressive knob) but didn't expand on it so I left it at that...
Since the vehicle was on my policy I soon received a call from insurer asking to give OH permission to speak to them to sort out. No problem and that was the last I heard/thought about it for 10 months...
Subject came up again in recent weeks when I received renewal notice for the X-trail, this had details of the claim on and stated repair costs as £3900. Interested but not particularly surprised at the significant costs as similar has been discussed in other posts. However, having had virtually the same thing happen to me in a brand new E-class coupe a couple of years ago the remedy was to purchase a new set of headlight brackets from MB as they are designed to break away. I thought I was hard done to at £35 for the set and 30 minutes out of my weekend to fix
Anyway, the issue is not the costs, we all know how those games work. This issue arises from a conversation I had with the OH on the back of the renewal around her original dialogue with the BMW owner. I know she played it 100% straight with her incident report but it turns out at the time the guy/knob stated quite openly to the OH he was going to
1) Tell his insurer the incident happened in Manchester CC, presumably as this is where he should have been at the time and not watching football in a village pub 20 miles away from M/CR.
2) Tell them the incident happened 2 hrs earlier/later then it actually did (she can't remember which), presumably also related to above.
3) Get all the lease return work done as part of the claim as car was due back in a few weeks. She then showed me pictures she'd taken at the time showing a very stone-chipped and scuffed 3 series front bumper. She said the rest of the 14 plate car was as thoroughly unloved as well.
My questions for future reference are
1) Could well have been bravado or BS but would any kind of fabrication or statement of intent to fabricate details invalidate a claim IF captured or reported?
2) Are there systems in place to highlight any differences in claim reports or is it reliant on a claims handler diligence or insurance companies actually being @rsed with the small stuff?
OH says she never received any follow up after submitting her report so either his details matched hers (and he was full of it) or his teleporting F30 was overlooked by the insurance company. To be fair, being a leased white 320D it was probably capable of going fast enough to cause a rift in space/time continuum, would explain the stone-chips if nothing else.
Anyone else had similar where the other party openly states their intent to alter incident details or been given heads up by insurance that some/all details are significantly discrepant between both parties? Couldn't see the point of ever bringing it up in post incident discussion unless there was intent to get the other party to collude with the falsehood, or the other party knowing there was a chance such differences would not be picked up, based on previous experience perhaps...
Oh, never had a claim previously but was surprised to see come renewal time NCB on X-trail policy reduced to 4 years from 20+ years as recorded, apparently it seems only 6 yrs worth NCB is ever taken into consideration for a policy? Was a surprise to me, but probably shouldn't be and probably isn't to most here (sheltered life you see
)
Last summer OH had a very minor bump in a pub car park whilst trying to maneuver her X-trail out from a sea of randomly parked cars. X-trail rear bumper touched headlight of BMW 3 series. Small 10p sized mark on X-trail bumper and BMW O/S headlight displaced slightly with no lens or body damage. No body to body contact due to vehicle height and shape differential. OH went into packed pub to find owner and exchange details. She said to me they had a brief conversation and mentioned that the guy was a bit of a knob (just a cocky knob, not an aggressive knob) but didn't expand on it so I left it at that...
Since the vehicle was on my policy I soon received a call from insurer asking to give OH permission to speak to them to sort out. No problem and that was the last I heard/thought about it for 10 months...
Subject came up again in recent weeks when I received renewal notice for the X-trail, this had details of the claim on and stated repair costs as £3900. Interested but not particularly surprised at the significant costs as similar has been discussed in other posts. However, having had virtually the same thing happen to me in a brand new E-class coupe a couple of years ago the remedy was to purchase a new set of headlight brackets from MB as they are designed to break away. I thought I was hard done to at £35 for the set and 30 minutes out of my weekend to fix
Anyway, the issue is not the costs, we all know how those games work. This issue arises from a conversation I had with the OH on the back of the renewal around her original dialogue with the BMW owner. I know she played it 100% straight with her incident report but it turns out at the time the guy/knob stated quite openly to the OH he was going to
1) Tell his insurer the incident happened in Manchester CC, presumably as this is where he should have been at the time and not watching football in a village pub 20 miles away from M/CR.
2) Tell them the incident happened 2 hrs earlier/later then it actually did (she can't remember which), presumably also related to above.
3) Get all the lease return work done as part of the claim as car was due back in a few weeks. She then showed me pictures she'd taken at the time showing a very stone-chipped and scuffed 3 series front bumper. She said the rest of the 14 plate car was as thoroughly unloved as well.
My questions for future reference are
1) Could well have been bravado or BS but would any kind of fabrication or statement of intent to fabricate details invalidate a claim IF captured or reported?
2) Are there systems in place to highlight any differences in claim reports or is it reliant on a claims handler diligence or insurance companies actually being @rsed with the small stuff?
OH says she never received any follow up after submitting her report so either his details matched hers (and he was full of it) or his teleporting F30 was overlooked by the insurance company. To be fair, being a leased white 320D it was probably capable of going fast enough to cause a rift in space/time continuum, would explain the stone-chips if nothing else.
Anyone else had similar where the other party openly states their intent to alter incident details or been given heads up by insurance that some/all details are significantly discrepant between both parties? Couldn't see the point of ever bringing it up in post incident discussion unless there was intent to get the other party to collude with the falsehood, or the other party knowing there was a chance such differences would not be picked up, based on previous experience perhaps...
Oh, never had a claim previously but was surprised to see come renewal time NCB on X-trail policy reduced to 4 years from 20+ years as recorded, apparently it seems only 6 yrs worth NCB is ever taken into consideration for a policy? Was a surprise to me, but probably shouldn't be and probably isn't to most here (sheltered life you see
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