Car Insurance Claim Declined “without prejudice” ???

uberzoldat

If they don't have reflectors built in it is your responsibility to fit them. I had to do it. If they are not there, then they will fail the MOT.

When I asked the woman on the phone from the insurance company, I got the impression that having smoked lights didn't put any extra on my premium, but that I should declare them. They also say you should declare things such as non-standard colour coded bumpers.

The way I usually do it is ask the insurance company as if I am considering lowering the car/buying non-standard light clusters/new exhaust system etc etc so that you aren't committing yourself to paying the extra amount if it is unreasonable.

tipsychick

Would anyone know if air conditioning and a CD player are considered modifications, or does it have to be something that makes it look better/go faster? Think I probably paid extra for them. (It's on a VW 1.6 S W-reg).

Thanks very much

uberzoldat

I would highly doubt if air conditioning is a modification, I am not aware of any interior modifications that should be declared for insurance purposes off the top of my head.

There should be a certain amount of coverage for stereo and sound system with most insurance. If you are not sure, ask them. Most have a set amount that you are covered for, and some will ask when you are obtaining a quote if your stereo system exceeds a certain value.

It should not matter if the CD player is factory installed or an after-market one.

deanos

Be aware that if you declare modification and pay an extra premium you may only get the standard parts back if stolen or damaged , eg you add £1000 alloys and declare them but they get nicked you will only get the standard wheels back, check out the t+c's i know Bell & Admiral have this in theres.

scheming_gypsy

and if you don't declare them they don't pay out i suppose?

deanos

scheming_gypsy wrote:

and if you don't declare them they don't pay out i suppose?

Yep thats the gist of it

panther

Yes you still have to declare any accidents for (I think) 3 years whether or not you've made a claim. If the other party has reported it to their insurers it will already be on record anyway, and as insurers share details it's best to disclose everything so not to give them any oportunity not to pay out.

V1NNY

owey wrote:

If it was your fault, you will still have to pay the excess even if you pay for your own to be fixed. You say you have no claims protection on your policy, so I would get the two cars fixed, as insurance companies will just say " a claim is a claim" it doesn't matter how much it costs to them. If you do go to another company, even though you have "no claims protection" you will still have to tell them about your crash, which will effect there quote as you weren't with them when you had the crash. You might be stuck with the company you are with now?.

Up until my minor accident I had always thought that the excess (on comprehensive insurance) would need to be paid if I was at fault, irrespective if I made a claim (as the third party would definitely be submitting a claim against me).

However I found out from my insurer that my excess is ONLY payable if I put in a claim to have my car repaired through insurance. I asked my insurance company to repeat this & told them that I though I was expected to pay the excess irrespective as I was at fault & the 3rd party would be claiming against me. My insurance company assured me that my excess is only payable if I make a claim for repairs on my car.

I suppose this makes sense in a way, because if I was insured just third party (where there are no excess on the policy) & I had an accident and I was at fault, then the 3rd party would be able to make a claim against me & if successful they would get their car repaired. However I would not need to pay any excess, as the costs of getting my car repaired would have to be met by myself.

Anyone correct me if they have experienced otherwise???

losgiganteskid

You are 100% correct Vinnie, where cover is Comprehensive the policy excess is ONLY applicable and deductable from a claim for damage or loss to your own vehicle, not the Third Parties.

owey

you learn something new every day .