Discussion
Afternoon all, I appreciate this may not be the correct place, however, some sections are not available to me for posting yet.
Basically, last year I crashed my car into crash barriers.. I did not claim on my insurance as I could afford to pay the Highways Agency for the repair work. I simply repaired my car and carried on my way. Now that I have a new car and require a new insurance policy I am now wondering where I stand..
As I did not CLAIM on my insurance (i.e. received no money from the insurance) I assume that my 2 years NCB is still present. I am aware of course that having an accident I will have to make the new company aware of this.
Thanks
Mike
Basically, last year I crashed my car into crash barriers.. I did not claim on my insurance as I could afford to pay the Highways Agency for the repair work. I simply repaired my car and carried on my way. Now that I have a new car and require a new insurance policy I am now wondering where I stand..
As I did not CLAIM on my insurance (i.e. received no money from the insurance) I assume that my 2 years NCB is still present. I am aware of course that having an accident I will have to make the new company aware of this.
Thanks
Mike
GreigM said:
I wouldn't mention it if no insurance company was involved
But only as long the crash wasn't recorded by the police. If you have to make a future claim and the insurer checks your file and sees you had a crash and didn't answer their question of "have you hada crash in the past 5 years" untruthfully, they might refuse to payout.ETA: I don't know if they would actually be able to find out this type of thing but worth looking into.
Edited by Baffled Spoon on Tuesday 4th May 15:14
GreigM said:
I wouldn't mention it if no insurance company was involved
Strictly speaking you should.From a recent thread
monthefish said:
Just had an interesting chat with the insurer, or, to be more specific, their clueless representative.
She stated they need to be notified of all incidents. Fair enough.
I asked her to define 'incident'.
She asked what I meant.
I explained the question, i.e. 'what, in the insurers view, constitutes an 'incidient' that they insist on being notified of.
She replied 'anything that causes damage to the vehicle'.
I said 'even if no claim is made whatsoever?'
'Yes'.
'What if you aren't going to get it repaired?'.
She said 'yes, everything'.
'What about a cat that walks across the roof of your vehicle and puts some scratches in the roof'
'Yes'.
'What about stone chips that you get everyday on motorways?'
'Ermm....'
She stated they need to be notified of all incidents. Fair enough.
I asked her to define 'incident'.
She asked what I meant.
I explained the question, i.e. 'what, in the insurers view, constitutes an 'incidient' that they insist on being notified of.
She replied 'anything that causes damage to the vehicle'.
I said 'even if no claim is made whatsoever?'
'Yes'.
'What if you aren't going to get it repaired?'.
She said 'yes, everything'.
'What about a cat that walks across the roof of your vehicle and puts some scratches in the roof'
'Yes'.
'What about stone chips that you get everyday on motorways?'
'Ermm....'
Accidents or Claims
This should include all motor-related incidents and claims made by or against you, irrespective of fault.
If you are adding an additional driver, this should include all motor-related incidents and claims made by or against the additional driver, irrespective of fault.
Include all incidents and claims involving this or any other vehicle (including company vehicles) in the last 5 years.
Is the question I got asked
This should include all motor-related incidents and claims made by or against you, irrespective of fault.
If you are adding an additional driver, this should include all motor-related incidents and claims made by or against the additional driver, irrespective of fault.
Include all incidents and claims involving this or any other vehicle (including company vehicles) in the last 5 years.
Is the question I got asked
Edited by hontoir on Tuesday 4th May 15:32
Edited by hontoir on Tuesday 4th May 15:33
hontoir said:
The reason I intend on informing my new insurer's is that as said I do not want to lie, however, as I did not make any form of claim from the previous insurers then I intend to use that NCB against my new car. Does anyone know if this should be an issue?
You still have your no claims. You haven't made any claim => therefore no claims.Diablos-666 said:
I thought the insurers ask if you have claimed in the last 5 years, not if you have crashed in the last 5 years?
I'm not 100% sure though.
They do, but these days they also ask if there were any incidents, either fault or non-fault, in the last 5 years. The OP would have to answer this question 'Yes'.I'm not 100% sure though.
hontoir said:
As I did not CLAIM on my insurance (i.e. received no money from the insurance) I assume that my 2 years NCB is still present. I am aware of course that having an accident I will have to make the new company aware of this.
As the insurers are fond of pointing out to those losing NCB in non-fault accidents, it is a NO CLAIM bonus not a NO BLAME bonus 
You will keep your NCB but as you say you should tell the new insurer about the incident especially since third party property was damaged.
hontoir said:
6 said:
Accidents or Claims
This should include all motor-related incidents and claims made by or against you, irrespective of fault.
If you are adding an additional driver, this should include all motor-related incidents and claims made by or against the additional driver, irrespective of fault.
Include all incidents and claims involving this or any other vehicle (including company vehicles) in the last 5 years.
Is the question I got askedThis should include all motor-related incidents and claims made by or against you, irrespective of fault.
If you are adding an additional driver, this should include all motor-related incidents and claims made by or against the additional driver, irrespective of fault.
Include all incidents and claims involving this or any other vehicle (including company vehicles) in the last 5 years.
Incidents and claims need to be declared. Notice the distinction between the two (and the mentioning of them both seperately)
Cupid Stunt said:
If you had an accident that involved no other vehicles or people & that you paid for the repairs on yourself I don't think they'd be interested seems as you haven't cost them a penny
Not true. They are interested even if you don't get it repaired (never mind claiming for it), hence the specific wording of their question.
The way iunderstand it is that if your car has been involved in an incident, whatever the outcome then you should report it.
The insurance boffins have come up with risk analysis garbage that proves that if your car has been in 1 incident then it is more likely to be in another incident than a car than has never been in an incident. They argue that if someone has hit your car for no fault of your own then you are the type of person that may park it in higher risk areas etc...
In other words they pay people a lot of money to come up with statistics that justify them raising your premium although you've got full NCB!
The insurance boffins have come up with risk analysis garbage that proves that if your car has been in 1 incident then it is more likely to be in another incident than a car than has never been in an incident. They argue that if someone has hit your car for no fault of your own then you are the type of person that may park it in higher risk areas etc...
In other words they pay people a lot of money to come up with statistics that justify them raising your premium although you've got full NCB!
t84 said:
What about if you kerb a wheel? Or scuff a wingmirror on a wall?
Yes, as stupid as it sounds, they wish to be notified of that.I think if everybody actually did this, they would almost certainly change their stance due to the extra recource they would have to employ in dealing with all of these 'notifications'.
Just another 'grey' area in insurance.
edo said:
Accelebrate said:
What if you're a part time banger racer or Top Gear presenter. Could be a long list...
You can imagine the conversation with Richard Hammond can't you?!" er, yes, quite a big one. "
24/08/2007 10:24 - "Minor collision with the rear of a Cadillac driven by Mr James May. No claim made."
24/08/2007 10:26 - "Minor collision with the rear of a Cadillac driven by Mr James May. No claim made."
24/08/2007 10:35 - "Minor collision with the rear of a Cadillac driven by Mr James May. No claim made."
24/08/2007 10:42 - "Minor collision with the rear of a Cadillac driven by Mr James May. No claim made."
24/08/2007 10:51 - "Minor collision with the rear of a Cadillac driven by Mr James May. No claim made."
24/08/2007 10:57 - "Minor collision with the rear of a Cadillac driven by Mr James May. No claim made. Although he did claim I was a
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