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  • FIRST POST
    • philmacavity2
    • By philmacavity2 17th Apr 17, 6:22 PM
    • 2Posts
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    philmacavity2
    When is an inquiry classed as a claim?
    • #1
    • 17th Apr 17, 6:22 PM
    When is an inquiry classed as a claim? 17th Apr 17 at 6:22 PM
    Hope someone can help! this afternoon someone bumped my car while it was parked (legally) in a Tesco car park, I was in the store but 3 people remained in the car. The vehicle parked in the bay next to mine caught my OSF bumper as the driver was maneuvering out of their space leaving a large graze. The people in my car (my son & his girlfriend and my mother in law) all felt the impact and more importantly the whole thing was caught on my dashcam. my son got out of the car & went to check for any damage, the other driver had stopped but then drove off as my son approached their car. He got the reg number & the dashcam footage also shows it, so it would seem a fairly clear case! BUT, as I have learned to my cost, when you contact an insurance company to report an incident, it is logged and even if you decide not to pursue the claim they use the fact that you reported that incident to increase premiums when renewal is due!!
    Obviously i want to get an estimate before I decide to take this further, but if I delay reporting the incident I risk the wrath of my insurers!
    Anyone got any suggestions?
Page 1
    • Retrogamer
    • By Retrogamer 17th Apr 17, 6:43 PM
    • 3,729 Posts
    • 3,733 Thanks
    Retrogamer
    • #2
    • 17th Apr 17, 6:43 PM
    • #2
    • 17th Apr 17, 6:43 PM
    Your insurance company's T&C's will state you need to tell them if you and /or your vehicle is involved in any accidents.

    It has been involved in an accident, so it is logged correctly.

    An "at fault claim" on my insurance didn't raise it too much (£60 for the year) and a non fault accident / claim i had didn't affect it in the slightest.
    • Blibble
    • By Blibble 17th Apr 17, 7:47 PM
    • 147 Posts
    • 63 Thanks
    Blibble
    • #3
    • 17th Apr 17, 7:47 PM
    • #3
    • 17th Apr 17, 7:47 PM
    If it is a clear cut as you state, and it is 100% non fault, then your premium should not change (note: if your renewal is due shortly it may go up, however this will simply be because your insurer has not recouped costs from the third party yet).

    You should report it regardless, however, as it is a loss (whether or not you wish to claim).
    • Retrogamer
    • By Retrogamer 17th Apr 17, 8:05 PM
    • 3,729 Posts
    • 3,733 Thanks
    Retrogamer
    • #4
    • 17th Apr 17, 8:05 PM
    • #4
    • 17th Apr 17, 8:05 PM
    If it is a clear cut as you state, and it is 100% non fault, then your premium should not change
    Originally posted by Blibble
    It depends on the insurance company. Some will load premiums for non fault claims and others won't.
    • Blibble
    • By Blibble 17th Apr 17, 8:11 PM
    • 147 Posts
    • 63 Thanks
    Blibble
    • #5
    • 17th Apr 17, 8:11 PM
    • #5
    • 17th Apr 17, 8:11 PM
    It depends on the insurance company. Some will load premiums for non fault claims and others won't.
    Originally posted by Retrogamer
    Quite right - should have clarified this really.
    • jobdone1
    • By jobdone1 17th Apr 17, 8:46 PM
    • 718 Posts
    • 538 Thanks
    jobdone1
    • #6
    • 17th Apr 17, 8:46 PM
    • #6
    • 17th Apr 17, 8:46 PM
    First report to the police as failed to stop after an accident with your evidence. See where that goes.
    • forgotmyname
    • By forgotmyname 17th Apr 17, 10:41 PM
    • 25,428 Posts
    • 10,084 Thanks
    forgotmyname
    • #7
    • 17th Apr 17, 10:41 PM
    • #7
    • 17th Apr 17, 10:41 PM
    Your enquiry would be classed as an incident not a claim. Your terms would probably say that all incidents should be reported.
    Punctuation, Spelling and Grammar will be used sparingly. Due to rising costs of inflation.

    My contribution to MSE. Other contributions will only be used if they cost me nothing.

    Due to me being a tight git.
    • Quentin
    • By Quentin 17th Apr 17, 10:57 PM
    • 32,345 Posts
    • 16,413 Thanks
    Quentin
    • #8
    • 17th Apr 17, 10:57 PM
    • #8
    • 17th Apr 17, 10:57 PM
    It depends on the insurance company. Some will load premiums for non fault claims and others won't.
    Originally posted by Retrogamer
    You can find out now what difference if any a loss makes to future premiums by doing dummy quotes online with and without the loss in your history
    • ThinkingOutLoud
    • By ThinkingOutLoud 18th Apr 17, 11:16 AM
    • 1,380 Posts
    • 1,281 Thanks
    ThinkingOutLoud
    • #9
    • 18th Apr 17, 11:16 AM
    • #9
    • 18th Apr 17, 11:16 AM
    So how much will the repair cost approximately - aside the fact you should report - you need to know that too to balance your action. Plus, if you got it repaired yourself for more than an insurer will undoubtedly pay a garage , can you live without a car while that is done?
    I am just thinking out loud - nothing I say should be relied upon!
    I do however reserve the right to be correct by accident.
    • Nasqueron
    • By Nasqueron 18th Apr 17, 10:10 PM
    • 4,179 Posts
    • 2,326 Thanks
    Nasqueron
    Do us all a favour and report it to the police with your evidence. A nice fine and several points on the license of the **** who chooses to not leave details when hitting another car is a fair punishment alongside a massive insurance hike
    • csgohan4
    • By csgohan4 19th Apr 17, 7:59 AM
    • 3,633 Posts
    • 2,271 Thanks
    csgohan4
    your dashcam continued recording with the engine off?? which one did you have?
    "It is prudent when shopping for something important, not to limit yourself to Pound land"
    • Retrogamer
    • By Retrogamer 19th Apr 17, 4:49 PM
    • 3,729 Posts
    • 3,733 Thanks
    Retrogamer
    your dashcam continued recording with the engine off?? which one did you have?
    Originally posted by csgohan4
    Some cars have a constant live to the cigarette lighter / aux socket so even when the engine is off and key is out, power will still go to the dashcam..
    • Nasqueron
    • By Nasqueron 19th Apr 17, 7:59 PM
    • 4,179 Posts
    • 2,326 Thanks
    Nasqueron
    your dashcam continued recording with the engine off?? which one did you have?
    Originally posted by csgohan4
    You can get many models that will run off a battery or take a continuous feed from the engine. Some advanced ones even have motion sensors so they switch on and record when someone moves in front
    • csgohan4
    • By csgohan4 19th Apr 17, 9:08 PM
    • 3,633 Posts
    • 2,271 Thanks
    csgohan4
    wouldn't that risk running the battery flat?


    which Dash cam do you have that runs continuously
    "It is prudent when shopping for something important, not to limit yourself to Pound land"
    • ThinkingOutLoud
    • By ThinkingOutLoud 28th Apr 17, 4:30 PM
    • 1,380 Posts
    • 1,281 Thanks
    ThinkingOutLoud
    It depends how the OP fitted his dash cam if he risks draining his battery.
    https://www.blackboxmycar.com/blogs/news/139785159-power-options-for-your-dashcam

    "Parkcam" mode has been around a while seems pretty useful given many dents happen when you are not in your parked car. As proven.
    I am just thinking out loud - nothing I say should be relied upon!
    I do however reserve the right to be correct by accident.
    • Nasqueron
    • By Nasqueron 29th Apr 17, 9:36 AM
    • 4,179 Posts
    • 2,326 Thanks
    Nasqueron
    wouldn't that risk running the battery flat?


    which Dash cam do you have that runs continuously
    Originally posted by csgohan4
    Dash cams use relatively little power especially in a sleep mode - in many cases without something like motion detection to stop/start you would find a 64gb card would be overwritten (in 8-9 hours) long before the battery drained - anecdotally from dashcam forums I have seen 1.5 - 2 days use without the car being started but you can also get some cameras that will shut off after x number of hours if you so wish. Certainly parking in a public place where you use your car daily should be fine.

    There are options though -

    1) A hardwire with battery voltage cut-off - saves the battery dropping below a certain voltage
    2) Hardwire for motion detection so camera sleeps unless it sees something (so limited battery drain) then records for 2-3m and goes back to sleep hopefully covering you if someone hits the car and legs it
    3) Independent dash cam battery which can provide up to a day's run time on one charge
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