scratched a car (accidently) never claimed, consequences?

Pew_Pew_Pew_Lasers!

What do you mean, screwing you? They didn't force you to drive into another person's car and therefore become a statistically higher risk, did they?

You screwed yourself by having the accident in the first place.

katrina123

Pew_Pew_Pew_Lasers! wrote: »

What do you mean, screwing you? They didn't force you to drive into another person's car and therefore become a statistically higher risk, did they?

You screwed yourself by having the accident in the first place.

i paid the price in cash and learnt from my mistake.
and now i have to pay for it for the rest of my life?!?!

:mad::mad::mad::mad::mad::mad::mad::mad::mad::mad:

Pew_Pew_Pew_Lasers!

Yes. You're now a bigger risk to the insurance company, and are statistically more likely to cost them money.

What's so difficult to comprehend about that?

katrina123

scrap this.

im moving to london..... and use tube.

DaveMacD

To try to explain the insurance choices.
3rd party is exactly that. The insurance covers third party damage (ie, the person you hit, so their car gets fixed etc.)
3rd party F&T. The insurance covers third party damage as above and also damage to your car caused by Fire or Theft.
Fully Comprehensive is the full bhoona. All of the above, PLUS your car also gets fixed/replaced/refunded.

In almost all cases, if you make a claim, you will have to pay the excess. Initially, it makes no difference who is at fault, the excess must be paid. However, if the accident was not your fault, the excess will be reclaimed from the other party, and repaid to you. Obviously, if you only take 3rd party, you will only ever pay the excess if someone else claims against you. For TPFT, you would pay as 3rd party, but also in the event of loss of your vehicle due to fire or theft, you would pay the excess. If there is no-one for the insurance comp. to claim against for blame, you wouldn't normally get your excess back. For fully comp. you would pay the excess, and as long as blame is apportioned to someone else, you will get the excess back.

As noted elsewhere, the cheapest insurance is not always the best insurance. Make sure the insurance you are getting covers your needs. If you have access to another vehicle, or may have cause to drive another vehicle, make sure your insurance covers you, not all do. Likewise, some policies will only cover use in the UK, so if you decide to take the Chunnel, or a ferry to the continent, you may not be covered. Always ask. Silence doesn't always give consent, especially not from those bu ggers

catflea

DaveMacD wrote: »

As noted elsewhere, the cheapest insurance is not always the best insurance.

Pew_Pew_Pew_Lasers! wrote: »

By the way, cheap insurance can be a big headache if you have to make a claim.

Quoted for emphasis. When I had someone make a false claim against me I had a right nightmare with a *budget* insurance company

katrina123

thankyou thankyou thankyou

sigh.
i cant decide.
im gonna go with the cheapest one possible.
its never ending.
comparison sites are bull****
they tick all the boxes, you call up insurer and they tell you NO!!!!
i cant afford these phone calls. im getting spammed and texted by insurers.

ive paid over £500 for 3 years, never used their services.

im gonna get cheapest insurance, zero voluntary excesss.
looking at £360-400

so basically drive carefully.
if i crash ill just expect to pay the excess no matter what, and fix my own car no matter what.
3rd party fire and theft is the cheapest option for me.

and all these extras, i dont even understand them.
and there will be probably be small print and loopholes so they wont even be of any use if i try to get them.

i hate this time of year shopping around for insurance.
i hate it hate it hate it hate it hate it.

Barny1979

Calm down my dear, it's only a commercial

vaio

DaveMacD wrote: »

………In almost all cases, if you make a claim, you will have to pay the excess. Initially, it makes no difference who is at fault, the excess must be paid. However, if the accident was not your fault, the excess will be reclaimed from the other party, and repaid to you. Obviously, if you only take 3rd party, you will only ever pay the excess if someone else claims against you. For TPFT, you would pay as 3rd party, but also in the event of loss of your vehicle due to fire or theft, you would pay the excess. If there is no-one for the insurance comp. to claim against for blame, you wouldn't normally get your excess back. For fully comp. you would pay the excess, and as long as blame is apportioned to someone else, you will get the excess back.

As noted elsewhere, the cheapest insurance is not always the best insurance. Make sure the insurance you are getting covers your needs. If you have access to another vehicle, or may have cause to drive another vehicle, make sure your insurance covers you, not all do. Likewise, some policies will only cover use in the UK, so if you decide to take the Chunnel, or a ferry to the continent, you may not be covered. Always ask. Silence doesn't always give consent, especially not from those bu ggers

As far as I was aware the excess is only due if you make a claim for damage to your car that the insurance company can’t recover from someone else. Say if you hit my parked car, your fault so your insurance would pay to repair my car, you wouldn’t have to pay the excess unless you claimed for the damage to your car.

And, all policies issued in the EU must give the minimum cover required by law in any other EU country you visit. If I visit France say then my UK policy will cover me for the French equivalent of our Road Traffic cover, basically third party only cover. By agreement with my insurance company I can get a green card which gives me the same cover as I have in this country i.e. if I get the green card I have fully comp cover whilst abroad

DaveMacD

vaio wrote: »

As far as I was aware the excess is only due if you make a claim for damage to your car that the insurance company can’t recover from someone else. Say if you hit my parked car, your fault so your insurance would pay to repair my car, you wouldn’t have to pay the excess unless you claimed for the damage to your car.

And, all policies issued in the EU must give the minimum cover required by law in any other EU country you visit. If I visit France say then my UK policy will cover me for the French equivalent of our Road Traffic cover, basically third party only cover. By agreement with my insurance company I can get a green card which gives me the same cover as I have in this country i.e. if I get the green card I have fully comp cover whilst abroad

My OH was involved in a crash last year in which we had to stump up the excess before they would even look at getting the car fixed, but then reclaimed it from the other party to refund it to us. The person emerged from a junction without looking and whacked my OH, and admitted liability, but we still had to stump up at the start.

My bad on the second one, didn't realise there was a minimum they had to give for foreign cover. Still not a lot though. And virtually useless to most people unless they get the 'upgrade'. Often seems to be time limited as well ie, you can be out of the UK for 30 days say. Anything more needs permission from them first.