Insurance Question
Discussion
Just going through the annual process of insurance renewal...
In March this year, Mrs Meeja was t-boned by a tractor as it came out of a farm entrance without looking, and wrote off the car (now replaced)
Because the farmer (who apparently was a delightful chap and very apologetic!) admitted full liability without question, we have not made any claim through our own insurers - we have dealt directly with the farmers insurers (NFU - who I have to say have been very easy to deal with!)
Filling in the details on comparison sites, I get to the "Have you made a claim regardless of fault in the last three years" question
Now, is this asking whether I have made a claim (regardless of fault) on my own policy, or is it just "a claim"? So do I need to declare it?
In March this year, Mrs Meeja was t-boned by a tractor as it came out of a farm entrance without looking, and wrote off the car (now replaced)
Because the farmer (who apparently was a delightful chap and very apologetic!) admitted full liability without question, we have not made any claim through our own insurers - we have dealt directly with the farmers insurers (NFU - who I have to say have been very easy to deal with!)
Filling in the details on comparison sites, I get to the "Have you made a claim regardless of fault in the last three years" question
Now, is this asking whether I have made a claim (regardless of fault) on my own policy, or is it just "a claim"? So do I need to declare it?
Denis O said:
I would not declare it under my own name but under your wife's name, assuming she is a named driver on the new policy. It was her that made the claim, not you.
No doubt the insurance experts will be along soon.
That is exactly what I have done on the comparison sites.No doubt the insurance experts will be along soon.
TBH it hasn't had any great effect on the initial quotes I have received.
Quotes are pretty much in line with last year's renewal, within a few per cent.
Generally, without delving into the role of named drivers ect the generic answer these days is :-
The answer is that *if* you have made a claim, it's not asking specifically if it was on YOUR policy or not. It may not make any difference to the premium calculation anyway if the answer is that it's non fault.
The point is that if your vehicle was written off by another insurer, what will happen is that when you take the new policy out, your details will be checked against various databases. Your new insurer will become aware that a claim was made by you, and will charge you a small fortune for updating the details and sending them to you for confirmation - admin charges.
So you won't save anything my misleading them, but will come back to the forum grumbling about bloody insurance companies when your deception is easily found out and you're charged more for admin changes to your policy than if you'd been upfront in the first place.
The answer is that *if* you have made a claim, it's not asking specifically if it was on YOUR policy or not. It may not make any difference to the premium calculation anyway if the answer is that it's non fault.
The point is that if your vehicle was written off by another insurer, what will happen is that when you take the new policy out, your details will be checked against various databases. Your new insurer will become aware that a claim was made by you, and will charge you a small fortune for updating the details and sending them to you for confirmation - admin charges.
So you won't save anything my misleading them, but will come back to the forum grumbling about bloody insurance companies when your deception is easily found out and you're charged more for admin changes to your policy than if you'd been upfront in the first place.
Jujuuk68 said:
Generally, without delving into the role of named drivers ect the generic answer these days is :-
The answer is that *if* you have made a claim, it's not asking specifically if it was on YOUR policy or not. It may not make any difference to the premium calculation anyway if the answer is that it's non fault.
The point is that if your vehicle was written off by another insurer, what will happen is that when you take the new policy out, your details will be checked against various databases. Your new insurer will become aware that a claim was made by you, and will charge you a small fortune for updating the details and sending them to you for confirmation - admin charges.
So you won't save anything my misleading them, but will come back to the forum grumbling about bloody insurance companies when your deception is easily found out and you're charged more for admin changes to your policy than if you'd been upfront in the first place.
Yep - understand.The answer is that *if* you have made a claim, it's not asking specifically if it was on YOUR policy or not. It may not make any difference to the premium calculation anyway if the answer is that it's non fault.
The point is that if your vehicle was written off by another insurer, what will happen is that when you take the new policy out, your details will be checked against various databases. Your new insurer will become aware that a claim was made by you, and will charge you a small fortune for updating the details and sending them to you for confirmation - admin charges.
So you won't save anything my misleading them, but will come back to the forum grumbling about bloody insurance companies when your deception is easily found out and you're charged more for admin changes to your policy than if you'd been upfront in the first place.
I have no intention of deceiving anyone - hence the original question... are they asking if I have made a claim against my own policy in the last 3 years, or just a claim (against any motor policy)
Your comment above would suggest that it is the latter!
As I mentioned, the comparison sites (and also online quotes from those insurers who aren't on comparison sites) are returning figures that would suggest that the claim has made little or no effect on next year's premium. (Although my existing insurer has hiked theirs up a bit... but I guess that is the norm these days regardless of claims!)
When my brother wrote off my car as a named driver I had to declare it as my claim for X number of years as it was on my policy....as did he on his own subsequent policies as he actually made the claim. Very frustrating to be penalised twice for 1 mistake - however looking at it from the insurers point of view I suppose I'm a higher risk as I insure named drivers who have accidents and he is a higher risk as he had an accident.
Edited by edeath on Monday 19th May 11:37
This is where comparison sites don't always work.
If you say 'yes' then normally ask for more details.
If you say 'no' they don't.
In some ways it's just to check if you need to fill in section 3b or whether you can skip to section 4.
What you said 'should' have no impact on your premium, but you do need to declare it.
I am not an insurance chap.
If you say 'yes' then normally ask for more details.
If you say 'no' they don't.
In some ways it's just to check if you need to fill in section 3b or whether you can skip to section 4.
What you said 'should' have no impact on your premium, but you do need to declare it.
I am not an insurance chap.
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