named driver on my policy had scrape
Discussion
I'm guessing the answer is 'yes' but perhaps someone could comfirm?
My wife had a little coming together parking her car this morning. Left her details on the other car and went into work. Shes since heard from the guy, he's not very happy, and I guess fairly understandably wants to get sorted it through insurance rather than just getting the bumper fixed at our expense.
So my question is this - given she is a named driver on 2 policies I have (seperate to her policy for car she was driving), do I also now need to contact my insurers to advise a claim will likely be made against her?
Ta
My wife had a little coming together parking her car this morning. Left her details on the other car and went into work. Shes since heard from the guy, he's not very happy, and I guess fairly understandably wants to get sorted it through insurance rather than just getting the bumper fixed at our expense.
So my question is this - given she is a named driver on 2 policies I have (seperate to her policy for car she was driving), do I also now need to contact my insurers to advise a claim will likely be made against her?
Ta
Helical said:
Shes since heard from the guy, he's not very happy,
The first answer provided is correct, so I won't add any more on that subject - but I have never understood this. Of the list of people to hit my car whilst it's parked, people who leave a note acknowledging it and wanting to fix it are right at the top of the list. He could have had one of those people who left nothing at all, or those people who leave notes saying they are writing a note because they've been seen but not leaving their details.Pegscratch said:
The first answer provided is correct, so I won't add any more on that subject - but I have never understood this. Of the list of people to hit my car whilst it's parked, people who leave a note acknowledging it and wanting to fix it are right at the top of the list. He could have had one of those people who left nothing at all, or those people who leave notes saying they are writing a note because they've been seen but not leaving their details.
My feelings exactly. Its not ideal, obviously, but he certainly could've been worse offThanks for the replies.
To further the potential for confusion - the isurance for my 205 is up next month, so following your advice I'll wait until then and then add yes to claim in the last 5 years for additional driver.
However, my other car, which is also with the same insurer, will still show my wife as not having made any claims.
Problem?
To further the potential for confusion - the isurance for my 205 is up next month, so following your advice I'll wait until then and then add yes to claim in the last 5 years for additional driver.
However, my other car, which is also with the same insurer, will still show my wife as not having made any claims.
Problem?
TwigtheWonderkid said:
Just because he wants to go thru insurance, doesn't mean you have to. He can either let you sort it yourself, or go thru his own insurance. When they fix it, and contact you, you can settle it directly to them. No one can force you to use your insurance co.
Correct. I was about to post the same info.bad company said:
TwigtheWonderkid said:
Just because he wants to go thru insurance, doesn't mean you have to. He can either let you sort it yourself, or go thru his own insurance. When they fix it, and contact you, you can settle it directly to them. No one can force you to use your insurance co.
Correct. I was about to post the same info.xjay1337 said:
bad company said:
TwigtheWonderkid said:
Just because he wants to go thru insurance, doesn't mean you have to. He can either let you sort it yourself, or go thru his own insurance. When they fix it, and contact you, you can settle it directly to them. No one can force you to use your insurance co.
Correct. I was about to post the same info.Helical said:
Suppletory question;
Anyone have a feel for the size of impact this is likely to have on my premiums? ie my previously ‘clean’ named driver will now have a (low value) claim made in last 5 years.
I hope negligible but who knows…
My son-in-law crashed his car into the back of another during the winter. No visible damage to the other car, and the guy didn't take it any further. His car had a crack in the bumper which I'd have thought could have been plastic welded but the repairer decided (and presumably the insurer agreed) that it needed a new front bumper and the claim cost totalled £1200. Daughter declared it on her renewal with Aviva and the premium increased £5. Anyone have a feel for the size of impact this is likely to have on my premiums? ie my previously ‘clean’ named driver will now have a (low value) claim made in last 5 years.
I hope negligible but who knows…
We'd done an online quote and the premium increased £30 if he was taken off the policy.
My mrs has had a couple of serious accidents (no injuries) which have been the result of her driving into lorries. One was a write off £7000 and the other was £2100 repairs.
After the claims her insurance still came in cheaper than the previous years both times. That’s through the meerkat. Only about £10 or so though.
However the insurance companies she claimed with won’t touch her, they come up silly money like thousands.
So shop around and you probably won’t notice. Also adding her on my car still brings my premium down by about £60 a year.
After the claims her insurance still came in cheaper than the previous years both times. That’s through the meerkat. Only about £10 or so though.
However the insurance companies she claimed with won’t touch her, they come up silly money like thousands.
So shop around and you probably won’t notice. Also adding her on my car still brings my premium down by about £60 a year.
Pegscratch said:
Helical said:
Shes since heard from the guy, he's not very happy,
The first answer provided is correct, so I won't add any more on that subject - but I have never understood this. Of the list of people to hit my car whilst it's parked, people who leave a note acknowledging it and wanting to fix it are right at the top of the list. He could have had one of those people who left nothing at all, or those people who leave notes saying they are writing a note because they've been seen but not leaving their details.The NCB fraud is the next PPI (I know the guys who have already gotten a top QC on it and have already sat with talks with some "very scared" insurance companies).
It is around paying to protect your NCB and what the consumer expects they get but in the event of an accident, a premium will be directly affected anyway...
It is around paying to protect your NCB and what the consumer expects they get but in the event of an accident, a premium will be directly affected anyway...
7795 said:
The NCB fraud is the next PPI (I know the guys who have already gotten a top QC on it and have already sat with talks with some "very scared" insurance companies).
It is around paying to protect your NCB and what the consumer expects they get but in the event of an accident, a premium will be directly affected anyway...
No it isn't and no they aren't.It is around paying to protect your NCB and what the consumer expects they get but in the event of an accident, a premium will be directly affected anyway...
The consumer is an idiot, on the whole. It's called protected bonus, not price freeze promise. Most people with an IQ into double figures realise 2 things effect your insurance when you have an accident. One is the loss of bonus, the other is the fact that your risk profile could change for the worse. If you buy protected bonus, you keep your bonus. You still have the increased risk profile to deal with. Instead of 2 things impacting on your next renewal premium, only one thing impacts.
Anyone who doesn't understand that shouldn't be allowed to have a driving licence in the first place.
TwigtheWonderkid said:
Most people with an IQ into double figures realise 2 things effect your insurance when you have an accident. One is the loss of bonus, the other is the fact that your risk profile could change for the worse.
I reckon the majority of people must have single figure IQs then.And pretty well everyone seems surprised that a no-fault incident affects their premium.
Sheepshanks said:
TwigtheWonderkid said:
Most people with an IQ into double figures realise 2 things effect your insurance when you have an accident. One is the loss of bonus, the other is the fact that your risk profile could change for the worse.
I reckon the majority of people must have single figure IQs then.7795 said:
The NCB fraud is the next PPI (I know the guys who have already gotten a top QC on it and have already sat with talks with some "very scared" insurance companies).
It is around paying to protect your NCB and what the consumer expects they get but in the event of an accident, a premium will be directly affected anyway...
Feel free to PM me and give me the details of these “guys”. I’m happy to fund their crusade. It is around paying to protect your NCB and what the consumer expects they get but in the event of an accident, a premium will be directly affected anyway...
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