if I claim I will loose my no claims discount for next year won't I?

aqueoushumour01

as mentioned above, contact her insurance.

dacouch

neilmcl wrote: »

DO NOT claim off your insurance, she's at fault not you, I'd advise not even mentioning to them. You need to claim directly from the 3rd party's insurance. If you have her insurance details, and preferably a claim ref. no., give them a call and get them to sort it. At minimum you'd be wanting to get your car repaired at the garage of your choice, and a like-for-like courtesy car.

If your advice is this post is to not declare the OP has had a claim to her own Insurers at renewal time or a new Insurer this would be very poor advice. When the non disclosed claim is discovered (Usually when you make another claim) the current laws would allow the Insurers to void the policy and not pay the claim (They would probably have to pay the RTA element of the claim). This is because intentionally not declaring material information (Which a claim / accident / incident is) would on current rules be enough for an Insurer to void the policy.

So please ensure you declare the incident to your own or new Insurers at renewal time / time you purchase cover.

MrsE_2

dacouch wrote: »

If your advice is this post is to not declare the OP has had a claim to her own Insurers at renewal time or a new Insurer this would be very poor advice. When the non disclosed claim is discovered (Usually when you make another claim) the current laws would allow the Insurers to void the policy and not pay the claim (They would probably have to pay the RTA element of the claim). This is because intentionally not declaring material information (Which a claim / accident / incident is) would on current rules be enough for an Insurer to void the policy.

So please ensure you declare the incident to your own or new Insurers at renewal time / time you purchase cover.

So I will loose my NCD of two years (three by next year) because someone skidded into my (correctly) parked car:(:(:(:(

I wonder would I be better paying for repair myself

dacouch

You only lose your No Claims Bonus, if you claim against your own policy, hence the term "No Claims Bonus".

Insurers in effect regard all claims on your own policy to be a fault claim until you recover your uninsured losses (Excess, loss of earnings etc) or they have recovered their outlay.

If you claim directly off the other Insurer you do not lose your no claims bonus as you are not claiming off your own policy.

It is surprisingly easy to make a claim off someone elses insurance with most Insurers assuming the other driver has reported the claim. They will want to avoid you going to an expensive credit hire company. So they will normally arrange for the repairs at one of their own garages and a courtesy car or like for like vehicle. It may be worth insisting on using a main dealer if your car is relatively new

MrsE_2

dacouch wrote: »

You only lose your No Claims Bonus, if you claim against your own policy, hence the term "No Claims Bonus".

Insurers in effect regard all claims on your own policy to be a fault claim until you recover your uninsured losses (Excess, loss of earnings etc) or they have recovered their outlay.

If you claim directly off the other Insurer you do not lose your no claims bonus as you are not claiming off your own policy.

It is surprisingly easy to make a claim off someone elses insurance with most Insurers assuming the other driver has reported the claim. They will want to avoid you going to an expensive credit hire company. So they will normally arrange for the repairs at one of their own garages and a courtesy car or like for like vehicle. It may be worth insisting on using a main dealer if your car is relatively new

So do I go to their insurance direct?
My car is two years old. If I insist on using main dealer will I have to take it there & collect it?
Nearest one is Croydon & I will have to take at least a half day off to get it there & a half day to collect.

Inactive

MrsE wrote: »

So do I go to their insurance direct?
My car is two years old. If I insist on using main dealer will I have to take it there & collect it?
Nearest one is Croydon & I will have to take at least a half day off to get it there & a half day to collect.

Most Main Dealers do not have body repair facilities these days, the insurance company will have a local body repair specialist, they often collect and return your car together with a courtesy car.

MrsE_2

Inactive wrote: »

Most Main Dealers do not have body repair facilities these days, the insurance company will have a local body repair specialist, they often collect and return your car together with a courtesy car.

The local Fords out source to a local place (DH put his in after an ambulance slid into him when he was parked in the snow last Feb:rolleyes::rolleyes::rolleyes:).

dacouch

If you know the name of her Insurer and either the reg or the policy number you can ring their claims department. Some will ask you to put it in writing, some will fall over themselves to help you asap as they want to avoid you having an expensive Credit Hire Company.

You can either use the main dealer or the Insurers approved body shop, some people prefer using main dealers on newish cars

MrsE_2

dacouch wrote: »

Credit Hire Company.

Whats a credit hire company?

There is my insurers & her insurers, but I guess they are seperate?

neilmcl

One of the newer phenomenoms within the insurance industry is the growth of accident management companies using credit and credit hire agreements to fix the cars of no-fault claimants, such as yourself, and provide like-for-like hire replacement vehicles, usually at highly inflated costs. They then go after the third-party's insurance company for payment. This thing to remember is they organise a repair and hire car on credit which you would be responsible for so if the insurance company refuses to pay up you would be liable for the repayment. Stay well clear of these outfits unless you know what you're doing and are aware of the implications.

Just deal with the insurance company directly.