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  • FIRST POST
    • gc1967
    • By gc1967 18th May 17, 7:28 PM
    • 19Posts
    • 1Thanks
    gc1967
    Major problem
    • #1
    • 18th May 17, 7:28 PM
    Major problem 18th May 17 at 7:28 PM
    Please help
    My youngest son passed his test a couple of mothes ago and got the car taxed and insured.
    He was told by his insurance company he gets a 14 day cooling off period.
    Anyway into the second week of him driving a cat darted out in front of him and he swerved and crashed into a wall across the road not causing major damage
    After my son recovered from the shock my son rung his mum to come down, she knocked on the owners door and left details and the chap said seeing your sons excess is so high get a quote to rectify the damage
    A few weeks later a letter came through from the police about careless driving but lucky enough there was cctv so the police took no further action.
    The owner of the property has been very kind and getting the wall done through there house insurance.
    The day after my son crashed and we agreed with the house holder to repair the wall without going through the insurance.
    I believe at the time if no other vehicle or person was involved and you sorted something out between the 2 parties that was fine.
    Anyway the stuffing had been knocked out of my son so the day after he hit the wall he rung his insurance company saying he wanted to cancel his insurance as he didn't feel up to it.
    Anyway today we know the police case is closed and the homeowner is getting there wall mended through there house insurance , the problem is the insurance company have said he may have to pay back the money they gave him back in the 14 cooling off period, my son is in final year of school with no money and me and my ex wife used most of our savings to buy his insurance.
    The lady on the phone said she will send a report to another department and we will here from them if they want to take it further
    Is there anything I can do or any advice or just play the waiting game
Page 1
    • Mercdriver
    • By Mercdriver 18th May 17, 7:40 PM
    • 908 Posts
    • 598 Thanks
    Mercdriver
    • #2
    • 18th May 17, 7:40 PM
    • #2
    • 18th May 17, 7:40 PM
    Please help
    My youngest son passed his test a couple of mothes ago and got the car taxed and insured.
    He was told by his insurance company he gets a 14 day cooling off period.
    Anyway into the second week of him driving a cat darted out in front of him and he swerved and crashed into a wall across the road not causing major damage
    After my son recovered from the shock my son rung his mum to come down, she knocked on the owners door and left details and the chap said seeing your sons excess is so high get a quote to rectify the damage
    A few weeks later a letter came through from the police about careless driving but lucky enough there was cctv so the police took no further action.
    The owner of the property has been very kind and getting the wall done through there house insurance.
    The day after my son crashed and we agreed with the house holder to repair the wall without going through the insurance.
    I believe at the time if no other vehicle or person was involved and you sorted something out between the 2 parties that was fine.
    Anyway the stuffing had been knocked out of my son so the day after he hit the wall he rung his insurance company saying he wanted to cancel his insurance as he didn't feel up to it.
    Anyway today we know the police case is closed and the homeowner is getting there wall mended through there house insurance , the problem is the insurance company have said he may have to pay back the money they gave him back in the 14 cooling off period, my son is in final year of school with no money and me and my ex wife used most of our savings to buy his insurance.
    The lady on the phone said she will send a report to another department and we will here from them if they want to take it further
    Is there anything I can do or any advice or just play the waiting game
    Originally posted by gc1967
    If the householder is claiming through their house insurance, he will have told them that the fault for the damage lies with your son. The householder's insurance will recover that cost from your son's insurance, and if there is a claim against your son by the householder's insurance then he loses the ability to cancel.

    What has he done with the car? If it is sat on the road with no insurance then he or whoever the car is registered to will get into more bother with DVLA. It needs to be sorned if it's not to be insured and has to be kept off of the road or any place where members of the public have access to.
    • LandyAndy
    • By LandyAndy 19th May 17, 10:25 AM
    • 23,697 Posts
    • 50,135 Thanks
    LandyAndy
    • #3
    • 19th May 17, 10:25 AM
    • #3
    • 19th May 17, 10:25 AM
    He seems to attract animals.


    http://forums.moneysavingexpert.com/showthread.php?t=5622781
    • Aylesbury Duck
    • By Aylesbury Duck 19th May 17, 11:19 AM
    • 598 Posts
    • 634 Thanks
    Aylesbury Duck
    • #4
    • 19th May 17, 11:19 AM
    • #4
    • 19th May 17, 11:19 AM
    Originally posted by LandyAndy
    It's the same situation the OP is talking about.
    • getmeouttahere
    • By getmeouttahere 19th May 17, 12:12 PM
    • 183 Posts
    • 42 Thanks
    getmeouttahere
    • #5
    • 19th May 17, 12:12 PM
    • #5
    • 19th May 17, 12:12 PM
    It's the same situation the OP is talking about.
    Originally posted by Aylesbury Duck
    Funny how in the other thread though, the son came to a stand still 'as he hit a curb', nothing to do with hitting a wall and doing damage.
    • waamo
    • By waamo 19th May 17, 12:29 PM
    • 1,286 Posts
    • 1,363 Thanks
    waamo
    • #6
    • 19th May 17, 12:29 PM
    • #6
    • 19th May 17, 12:29 PM
    Funny how in the other thread though, the son came to a stand still 'as he hit a curb', nothing to do with hitting a wall and doing damage.
    Originally posted by getmeouttahere
    Indeed. The op even stated there is "no damage to anything".

    No damage to anything
    First letter from police asking him to fill his details in and any comments he wishes to make
    When he bought the car we got the green bit and the lady sent off the other bit and the log book came back quick
    Nothing about failing to stop and report it no one else involved.Yes my sons the registered keeper
    If nip is when incident happened that was 22nd February and Police letter was sent out 20th March 2017
    Originally posted by gc1967


    http://forums.moneysavingexpert.com/showpost.php?p=72300048&postcount=29

    Very strange.
    This space for hire.
    • Aylesbury Duck
    • By Aylesbury Duck 19th May 17, 12:31 PM
    • 598 Posts
    • 634 Thanks
    Aylesbury Duck
    • #7
    • 19th May 17, 12:31 PM
    • #7
    • 19th May 17, 12:31 PM
    Funny how in the other thread though, the son came to a stand still 'as he hit a curb', nothing to do with hitting a wall and doing damage.
    Originally posted by getmeouttahere
    Well spotted, I'd missed that subtle change to the story. Here's the description of the incident from the first post about it:

    As my son was returning home from 6th form at lunchtime about a week after he passed his test an animal ran out from his left side and he swerved to miss it thus leading to him veering across the road and coming to a stand still when hitting the curb.
    This happened approximately 4 weeks ago and today he received a letter from the Police/camera department Stevenage stating driving without due care and attention.
    We have visited the area and there is a doomed shaped camera up the road that has obviously recorded this but he wasn't speeding as no mention of speeding on the letter.
    No other vehicles were involved and no people were on the street areas, luckily he was fine
    Originally posted by gc1967
    When asked about damage to other vehicles or property, the response was:
    No damage to anything
    Originally posted by gc1967
    Now we hear that he crashed into a wall and that mum knocked on the door of the householder to leave details. Why, if there was no damage to anything?

    I think this serves to confirm the suspicions of many of us on the last thread, which were that the son wasn't being entirely honest about the circumstances of the incident and that dad wasn't revealing pertinent information.

    OP, it's impossible to advise people who provide incomplete or misleading information. What do you hope to gain by canvassing the opinions of strangers who have only been given your skewed version of events?
    Last edited by Aylesbury Duck; 19-05-2017 at 12:32 PM. Reason: ETA: waamo beat me to it!
    • verityboo
    • By verityboo 19th May 17, 12:50 PM
    • 837 Posts
    • 1,046 Thanks
    verityboo
    • #8
    • 19th May 17, 12:50 PM
    • #8
    • 19th May 17, 12:50 PM
    Thought it sounded familiar. The original thread contained this priceless phrase

    'We bought him a 1.2 corsa as he never wanted to be labelled a boy racer.'
    Last edited by verityboo; 19-05-2017 at 12:55 PM.
    • arcon5
    • By arcon5 19th May 17, 2:11 PM
    • 12,923 Posts
    • 8,151 Thanks
    arcon5
    • #9
    • 19th May 17, 2:11 PM
    • #9
    • 19th May 17, 2:11 PM
    He'll have to come to a payment arrangement with the inusurer. His cancellation will become null and void now a valid claim has been presented and they'll have to pay out
    • Jackmydad
    • By Jackmydad 19th May 17, 2:24 PM
    • 135 Posts
    • 63 Thanks
    Jackmydad
    Nothing to do with the "Major Problem" as such, but I do wish people would add a heading that said what their problem actually is.
    • Aylesbury Duck
    • By Aylesbury Duck 19th May 17, 3:43 PM
    • 598 Posts
    • 634 Thanks
    Aylesbury Duck
    Nothing to do with the "Major Problem" as such, but I do wish people would add a heading that said what their problem actually is.
    Originally posted by Jackmydad
    So do I, but if everyone was to accurately title their posts, we'd have a forum half full of threads like:

    "Vague and incomplete story to try and obtain reassurance of innocence - please help!!!"

    "Help!!! - Scant details of accident below, more will be drip fed as I'm challenged on the original account."

    "Please tell me the nasty people at [insert garage name here] are liable for my cambelt snapping after they fitted new wipers and a tyre."

    "Who can I get compensation off of [sic] because I have a diesel that is now worthless but I bought it because I wanted to be green?"
    • shaun from Africa
    • By shaun from Africa 19th May 17, 4:22 PM
    • 9,152 Posts
    • 10,281 Thanks
    shaun from Africa
    so the day after he hit the wall he rung his insurance company saying he wanted to cancel his insurance as he didn't feel up to it.
    Originally posted by gc1967
    As your son tried to cancel the policy and get a refund without informing the insurance company of the incident, he may well find that this gets recorded on the insurance database and if it does, it might affect his chances of getting insurance for a while or it may cause a large increase in premiums.

    One thing that insurers don't like is people getting money from them when they are not entitled to that money.
    • Aylesbury Duck
    • By Aylesbury Duck 19th May 17, 4:34 PM
    • 598 Posts
    • 634 Thanks
    Aylesbury Duck
    As your son tried to cancel the policy and get a refund without informing the insurance company of the incident, he may well find that this gets recorded on the insurance database and if it does, it might affect his chances of getting insurance for a while or it may cause a large increase in premiums.

    One thing that insurers don't like is people getting money from them when they are not entitled to that money.
    Originally posted by shaun from Africa
    Exactly this. At best, he's been naive. At worst, he's deliberately and fraudulently trying to exploit the insurer's cooling off period.
    • Jackmydad
    • By Jackmydad 19th May 17, 4:35 PM
    • 135 Posts
    • 63 Thanks
    Jackmydad
    So do I, but if everyone was to accurately title their posts, we'd have a forum half full of threads like:

    "Vague and incomplete story to try and obtain reassurance of innocence - please help!!!"

    "Help!!! - Scant details of accident below, more will be drip fed as I'm challenged on the original account."

    "Please tell me the nasty people at [insert garage name here] are liable for my cambelt snapping after they fitted new wipers and a tyre."

    "Who can I get compensation off of [sic] because I have a diesel that is now worthless but I bought it because I wanted to be green?"
    Originally posted by Aylesbury Duck
    Which all happened on a very wet Wednesday, when they had to go to town to get the cat neutered. . .

    Very funny post! The truth often is!
    • Aylesbury Duck
    • By Aylesbury Duck 19th May 17, 4:44 PM
    • 598 Posts
    • 634 Thanks
    Aylesbury Duck
    Which all happened on a very wet Wednesday, when they had to go to town to get the cat neutered. . .
    Originally posted by Jackmydad
    That reminds me of the recent post where someone complained that the police might have caught them speeding, which they considered grossly unfair because it was a hot day on a road back from the seaside which the police knew would be busy.

    http://forums.moneysavingexpert.com/showthread.php?t=5631577

    Apparently, "thousands" must have been caught. I do remember it being in the news as one of the great miscarriages of justice in modern times.
    • Jackmydad
    • By Jackmydad 19th May 17, 5:22 PM
    • 135 Posts
    • 63 Thanks
    Jackmydad
    That reminds me of the recent post where someone complained that the police might have caught them speeding, which they considered grossly unfair because it was a hot day on a road back from the seaside which the police knew would be busy.

    http://forums.moneysavingexpert.com/showthread.php?t=5631577

    Apparently, "thousands" must have been caught. I do remember it being in the news as one of the great miscarriages of justice in modern times.
    Originally posted by Aylesbury Duck
    I seem to have missed that one!
    "Society is to blame"
    • FutureGirl
    • By FutureGirl 19th May 17, 7:17 PM
    • 790 Posts
    • 316 Thanks
    FutureGirl
    I'm confused. Your OP mentions that the insurers want your son to pay back the money they paid to him?

    Your son has been involved in an incident and is at fault. The homeowners insurers will go to your sons insurers for a recovery, your son will have a claim on his policy, which he needs to declare. He will therefore have to pay his policy in full for the year.
    Capital One:1,259.40/1,300.00
    Aqua: 273.29/300.00
    o2: 221.00 / 271.00
    • GarthThomas
    • By GarthThomas 19th May 17, 7:27 PM
    • 146 Posts
    • 200 Thanks
    GarthThomas
    This'll likely end up getting reported as fraud, leading to a lifetime of increased premiums, and in extremis some time inside, or at least a record and a fine.

    The parent telling the story has been caught out in a couple of lies, too, such as the damage / no damage change.

    OP, it's an old saying, but if you set out lying, you need a better memory than you have for details. An honest man has no need to remember what he has said.
    • CHR15
    • By CHR15 19th May 17, 9:09 PM
    • 4,822 Posts
    • 4,156 Thanks
    CHR15
    Even as a Parent I would doubt the "a cat ran out in front of me" story if one of my siblings crashed.

    Too fast
    Sending/Reading a text message
    Showing off

    All far more plausible.
    • jobdone1
    • By jobdone1 20th May 17, 5:36 AM
    • 693 Posts
    • 525 Thanks
    jobdone1
    Interesting if the insurance company or the police read this thread.
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