Is a car insurance claim still a claim if not completed?

sub_monkey

Hello,

Last year my car was vandalised whilst parked away from home. I phoned my insurance company at the time and began a claim to have the damage repaired. The repair garage that the insurers sent me to told me the cost of the repair would see my car written off so I decided it wasn't worth pursuing and dropped the claim. At renewal time this year my car insurance quote was over £100 more than last year and my insurer advised me when I phoned to cancel my renewal that this aborted claim was still classed as a claim and must be declared as such to any future insurance company. Is this correct? Seems a bit unfair considering I claimed no money at all!

Oscar_The_Grouch

Hi there

You do still have to declare it, as the instruction is to declare "any incident that could have given rise to a claim, whether you claimed or not". What you can do, however, is class it as damage caused by a third party that was not your fault, as you did not proceed with the claim.

jonesMUFCforever

A claim is a claim when you pick up the phone and utter the words 'I want to make a claim'.

It does not matter whether they pay out or not or if you change your mind.

Quentin

Whether or not you "claim" in instances like this is immaterial.

It is the incident you are required to declare to your insurer irrespective of whether or not the incident results in a "claim".