MK5 Golf GTI
General => Random Chat => Topic started by: treesimon on February 01, 2012, 02:16:14 pm
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After some information please.
Last night while my girlfriend was at a tesco petrol station, car stationary. She was paying inside someone scrapped the rear bumper.
Not anything major just slight paint damage.
She got the detail from the driver.
What do we do now?
Will claiming on his insurance effect her insurance?
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Yes, fix it yourself, I know it's daft but I had same years ago, they wanted to go through insurance and it counts as a claim. As in any claims in last 5 years? Yes, stupid if I had known I would have had paid for it
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So basically it is a not at fault claim, claiming through his insurance,
This will make her insurance raise at renewal due to saying 1 claim in 5 years? Even though her insurance has not paid out?
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Get a quote first from a bodyshop, and then ask the owner who damaged the car to see if they are willing to pay out then going through insurance. more than likely they will do that as there insurance wont bump up or lose NCB.
If not then only way is to just go through insurance and may risk your missus insurance.
Same thing when a car gets stolen, you claim and your insurance goes up.
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Ok cheers for the info :happy2: I'll speak to her tonight when she gets back from work and see what we can do.
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no it wont affect her insurance, i work for a major insurer and some of the ideas people have of insurers does annoy me lol
it wont affect her insurance, she doesnt have to declare it as a fault accident, and insurers only want to know about fault accidents when you renew/take out new insurance.
settling private may be quicker and easier but if you go through insurance then they will look after you well!! if you decide to go through the insurance pm me if you need any help or advice :happy2:
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@CONEKILLER....
i had a non-fault accident 18 months ago, got 'T-boned' in a leon, was completely written off, claimed etc etc off the other parties insurance, was advised like you just said, its a non-fault accident so no need to declare it to the insurance company as a 'clain in the last 5 years', had to make another claim on the policy on my golf, this time it was my fault, other driver insisted on wanting to go through insurance etc etc, my insurance company started getting all funny and pulled the line that i had an undeclared claim and that they wouldnt pay out for my damage!
is this the case with ALL insurers or just some?
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Interesting.
My girlfriend is insured with Aviva currently.
She wasnt even in the car at the time of accident so there is no way it was her fault.
Normally when it comes to insurance renewal, the insurer asks for any claims within the last 5 year regardless of fault.
So I take it that it would have to be declared to them, also would it effect her ncb?
Should she info her insurance about the incident? I imagine it will only involve his insurance company, which is John Lewis?
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no it wont affect her insurance, i work for a major insurer and some of the ideas people have of insurers does annoy me lol
it wont affect her insurance, she doesnt have to declare it as a fault accident, and insurers only want to know about fault accidents when you renew/take out new insurance.
settling private may be quicker and easier but if you go through insurance then they will look after you well!! if you decide to go through the insurance pm me if you need any help or advice :happy2:
Thats interesting because my son in law was hit from behind by someone on his mobile phone. He was stationary in traffic and was a no fault accident on his part yet when he came to renew his policy they still insisted on an extra £300 because he was involved in an accident full stop.
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to all the above i will try and help lol
basicly a none fault accident and your no claims bonus dont work hand in hand so you can be affected sometimes.
If for example someone hits your car and drives off, not leaving any details, you come back and find it damaged, the accident is not your fault but there is no one else to claim from, therefore your insurance has to pay out. This means you have made a claim and the insurance is out of pocket therefore your no claims discount is affected and it is classed as a'fault accident'.
If in the same circumstances if they leave their details or your in the car and take their details etc and your insurance pay out, they can claim the money back from the other persons insurance. If this happens (most cases it does) then the claim is closed as none fault and your no claims discount isnt affected.
If you have a stolen car or fire claim then they are fault claims as you claim off your insurance and there is no one else to claim the money back from.
If your not at fault for ana ccident and the money is claimed back from the responsible insurer then you should not be out of pocket or affected when you renew.
If you have a non fault accident and you dont claim or deal with it privately you dont have to declare it, no insurance claim was made or involved.
If you have a claim which is none fault and settled none fault (your insurance claimed all their money back from the other insurance company of the person at fault) then dont declare it, some insurers still charge more but this is not fair or allowed and if they catch you out at a later date they wont make an issue of it (this happens where i work for certain). Aviva are terrible insurers and should be avoided at the best of times but they also do sting you if you have a non fault accident.
If you have a fault claim then declare it, otherwise when your found out you will end up with your trousers pulled down!
For people who have their insurance go up just because of a non fault claim you need to be firm with them, get quote before declaring then declare, any difference you shouldnt have to pay!
Its the end of the day so sorry if i rambled on :)
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Cheers for taking the time to write that all up :happy2:
It's all abit metal and sounds like different insure deal with non fault claims in different ways!
Have to wait and see what occurs.
Should I get her to inform her insurance company that a claim will be made on a another person insurance?
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This guide is brilliant
http://www.mmvehiclerepairs-uk.com/page/car-accident-blame.html (http://www.mmvehiclerepairs-uk.com/page/car-accident-blame.html)
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Cheers for taking the time to write that all up :happy2:
It's all abit metal and sounds like different insure deal with non fault claims in different ways!
Have to wait and see what occurs.
Should I get her to inform her insurance company that a claim will be made on a another person insurance?
If you are able to deal directly with the persons insurance whos at fault then no dont :)
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Get a quote first from a bodyshop, and then ask the owner who damaged the car to see if they are willing to pay out then going through insurance. more than likely they will do that as there insurance wont bump up or lose NCB.
If not then only way is to just go through insurance and may risk your missus insurance.
Get two estimates, and if the other driver wont cough up directly - then claim directly against the other persons insurance company. This is exactly how you would do it if you were Third Party only insured. This way, you get all your wonga back, wont have to pay any excess, wont have a claim lodged against your own insurance, etc.
If the other sides insurance company starts arguing a toss, trying to deny the claim, etc - then write to them letting them know the garage has it on CCTV, that you will be applying for said CCTV, that cost of applying for said CCTV (often upto £250) will be added to claim, etc. And that if they still refuse, just issue a County Court Claim in the small claims court (and add the costs of that to the claim too). There is absolutely no need to lose a penny out of pocket for these type incidents.
Same thing when a car gets stolen, you claim and your insurance goes up.
Which is why a tracker is a very good investment.
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no it wont affect her insurance, i work for a major insurer and some of the ideas people have of insurers does annoy me lol
O-rly . . . do you actually work for HER insurance company? Are you a senior underwriter?
it wont affect her insurance, she doesnt have to declare it as a fault accident, and insurers only want to know about fault accidents when you renew/take out new insurance.
That is utter tosh. The VAST majority of insurance companies will load future premiums when a claim has been made - even if it was a non-fault accident. Though granted, an 'at-fault' claim will be loaded more.
And you are now telling people to commit fraud . . . if she made a claim on her own insurance (irrespective of who was to blame), then she MUST declare it. If she subsequently takes out insurance, and doesn't declare it, then she will be UN-INSURED. :stupid:
settling private may be quicker and easier but if you go through insurance then they will look after you well!! if you decide to go through the insurance pm me if you need any help or advice :happy2:
Hmmmmm . . . there are way too many shady insurance companies out there - some will 'quote you happy' - but most will 'treat you like sh*t' when it comes to making a claim.
Settling private would be the best option for both parties concerned, but if the other side wont co-operate, go directly to the Third Party insurer - a perfectly legitimate option.
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I need to be careful whats written on a public forum.
Yes I was a senior motor underwriter, and I now work for insurance fraud.
People can take the advice I give or not, I dont mind.
I am aware you should declare everything, but if a non fault accident isnt declared, no insurer would void the policy. take the case to the MIB and the insurance company would back down straight away, most wouldnt even raise an eyebrow anyway.
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Interesting.
My girlfriend is insured with Aviva currently.
She wasnt even in the car at the time of accident so there is no way it was her fault.
Normally when it comes to insurance renewal, the insurer asks for any claims within the last 5 year regardless of fault.
So I take it that it would have to be declared to them, also would it effect her ncb?
Should she info her insurance about the incident? I imagine it will only involve his insurance company, which is John Lewis?
Some insurance companies vary in their 'wording'. Some ask things like 'have there been ANY accidents or incidents in the last five years, irrespective of weather you made a claim or not' (in which case, your shafted). Others will want to know about only incidents where a claim has been made (again irrespective of fault). And others (though very few) will only want to know about 'your-fault' claims - though rocking horse poo is more prevalent than these!
And John Lewis is NOT an insurance company - it is just an 'intermediary'. Their policies are probably underwritten by someone like 'UK Insurance plc', or one of the Lloyds syndicates (some of whom are very good, some of whom are utter disgraceful).
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Is it just me or should the goverment put a stop to these underhand tactics insurance companies employ. If you've made a claim and it was your fault then yes declare, if it wasnt your fault why should we be made to declare it and why are they allowed to then add about £300 to the quote.
Yet again the victim gets shafted in this country :stupid:
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Is it just me or should the goverment put a stop to these underhand tactics insurance companies employ. If you've made a claim and it was your fault then yes declare, if it wasnt your fault why should we be made to declare it and why are they allowed to then add about £300 to the quote.
Yet again the victim gets shafted in this country :stupid:
exactly its not right to charge for something that isnt your fault!
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to all the above i will try and help lol
basicly a none fault accident and your no claims bonus dont work hand in hand so you can be affected sometimes.
No Claims Bonus is a separate issue. Even when you have protected or guaranteed NCB, your 'base' premiums are still affected.
If for example someone hits your car and drives off, not leaving any details, you come back and find it damaged, the accident is not your fault but there is no one else to claim from, therefore your insurance has to pay out. This means you have made a claim and the insurance is out of pocket therefore your no claims discount is affected and it is classed as a'fault accident'.
Yes, I think most here would understand this and agree with you on this issue. However, the best option in this scenario is NOT to involve the insurance company - just get a couple of quotes and cough up the bill yourself (providing the damage isnt too major) - and chalk it down to one of lifes 'experiences'. :sad1:
If in the same circumstances if they leave their details or your in the car and take their details etc and your insurance pay out, they can claim the money back from the other persons insurance. If this happens (most cases it does) then the claim is closed as none fault and your no claims discount isnt affected.
Hmmmm . . . most of the bigger insurance companies wont recover costs from another ins co. There seems to be an 'unwritten agreement' between them that they will pay out directly for damage repairs from their own pot - basically these instances will 'even out' - so they do this to reduce admin costs.
If you have a stolen car or fire claim then they are fault claims as you claim off your insurance and there is no one else to claim the money back from.
Yup - no problem there. But you also ought to highlight these are a 'special' category of claim - being a 'total loss' - and insurance companies really hate these - and look to massively load future premiums.
If your not at fault for ana ccident and the money is claimed back from the responsible insurer then you should not be out of pocket or affected when you renew.
Like I said above, ins cos wont claim from 3rd party insurers for damage repair costs. But they will STILL load your premium - even for NOT fault claims.
If you have a non fault accident and you dont claim or deal with it privately you dont have to declare it, no insurance claim was made or involved.
Not 100% correct. Some ins cos will specifically ask if youve ever had an accident, even if you did NOT report it to an ins co or didn't make a claim. There are more than a few of these around! :fighting:
If you have a claim which is none fault and settled none fault (your insurance claimed all their money back from the other insurance company of the person at fault) then dont declare it, some insurers still charge more but this is not fair or allowed and if they catch you out at a later date they wont make an issue of it (this happens where i work for certain).
Exactly - you need to be exceedingly cautious in this specific area - and most WILL make an issue of it!
Aviva are terrible insurers and should be avoided at the best of times but they also do sting you if you have a non fault accident.
'Quote me happy - treat me like sh!t'
Aviva are generally competitive on premiums, and can be a good bet if you are a low-risk careful driver - but they are a fookin nightmare when it comes to making a claim.
If you have a fault claim then declare it, otherwise when your found out you will end up with your trousers pulled down!
Some peeps might enjoy that - oooo errrrrr! :evilgrin:
For people who have their insurance go up just because of a non fault claim you need to be firm with them, get quote before declaring then declare, any difference you shouldnt have to pay!
This is only applicable when seeking a renewal from another ins co - it just wont work if you try to renew with your existing one. But at the end of the day - the individual ins cos can do what they want - if they decide to load your premium for a non-fault claim, that is their prerogative - they are after-all, in the business to make money!
Insurance isn't just about the price you pay for your premium - it is also about how good they are when dealing with claims. 25 years ago, Norwich Union (now called Aviva) had by far the best and fairest claims procedure (but not the cheapest premiums), but about 15 years ago, it went seriously down hill - they went for the 'cheap premiums' market, and had to dramatically cut the quality of their claims. Liverpool Victoria have recently followed this NU/Aviva method - intially excellent at claims - now utterly UTTERLY shocking at claims.
You pays your money and you takes your choice!
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Should I get her to inform her insurance company that a claim will be made on a another person insurance?
NO
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I need to be careful whats written on a public forum.
Why? The only thing you need to be careful of is posting commercially confidential stuff. Info on generic claims procedures is perfectly legitimate to post here.
Yes I was a senior motor underwriter, and I now work for insurance fraud.
If you now work in insurance fraud, you really ought to be investigating the insurance companies directly - they are by far the most complacent parties which allow said fraud to happen! :fighting:
I am aware you should declare everything, but if a non fault accident isnt declared, no insurer would void the policy.
Sorry, but that is bollox. MANY insurance companies will ask you to declare even non-fault accidents - if these DO ask you to declare non-fault, and you don't - then you are committing fraud. Sure, there are a FEW ins cos who don't ask to declare non-fault accidents - but these are very few and far between.
take the case to the MIB and the insurance company would back down straight away, most wouldnt even raise an eyebrow anyway.
O-rly . . . . the MIB do NOT deal with complaints from policyholders - MIB ONLY represent the insurance companies! :stupid:
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Is it just me or should the goverment put a stop to these underhand tactics insurance companies employ.
Whilst I agree with your sentiment - if we did do that, then ALL insurance companies would be the same, many of the specialist smaller ins cos would go out of business, and we'd be left with just half a dozen or so 'major' players - just like the domestic enegery companies - and premiums prices would rocket.
If you've made a claim and it was your fault then yes declare, if it wasnt your fault why should we be made to declare it and why are they allowed to then add about £300 to the quote.
Again, agree with the sentiment - but insurance companies are NOT charities - they are commercial businesses, and need to make money. And if they specifically ask if you've ever had a non-fault claim - then you HAVE to answer said question honestly. If you don't, you not only commit fraud, you are also likely to have your insurance contract cancelled. And then you'll incurr the wrath of 6 points on your licence, and then will find it even harder to get insurance. If you don't like a certain ins cos specific terms, find another company who is more suitable to your own needs. Simples.
Yet again the victim gets shafted in this country :stupid:
Only if you let em!
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Is it just me or should the goverment put a stop to these underhand tactics insurance companies employ. If you've made a claim and it was your fault then yes declare, if it wasnt your fault why should we be made to declare it and why are they allowed to then add about £300 to the quote.
Yet again the victim gets shafted in this country :stupid:
exactly its not right to charge for something that isnt your fault!
Agreed - but sh!t happenz. (and they are another shocking ins co!)
Just like the fcuking bankers shouldn't get million pound bonuses when they brought the country to its knees, or politicians who go to jail for fraud and perjory, yet still keep their seat in the House of Lords, or pikey 'travellers' build on green land without planning permission and not 'travel' for over 10 years and the taxpayer has to pick up the multi-million pound legal bills to evict the scum.
It's a sh*te world we live in - just move on!
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take the case to the MIB and the insurance company would back down straight away, most wouldnt even raise an eyebrow anyway.
O-rly . . . . the MIB do NOT deal with complaints from policyholders - MIB ONLY represent the insurance companies! :stupid:
apologies I actually ment the Financial Ombudsman lol
Got MIB on the brain at work today :laugh:
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take the case to the MIB and the insurance company would back down straight away, most wouldnt even raise an eyebrow anyway.
O-rly . . . . the MIB do NOT deal with complaints from policyholders - MIB ONLY represent the insurance companies! :stupid:
apologies I actually ment the Financial Ombudsman lol
OK, no worries. They WILL sort you out - but you need to be prepared they take their time though.
Got MIB on the brain at work today :laugh:
I personally have other things on my brain! :P
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Also it'll be worth 100% checking that your girlfriend actually got given the right details... Someone drove into the side of me last year/wrote my old car off, and tried to give me false details before living! Git.