URGENT Help - Just had a crash.

dacouch

vaio wrote: »

That's nice and clear and sensible, un-roadworthy vehicles are worth less so we pay out less.

What do you think they'll do if there is no evidence of un-roadworthiness but the car just doesn't have an MOT. Knock the cost of a test off the value?

Cars without a valid MOT are generally settled on the "Trade" value although there can be exceptions

It is fairly rare (Except for Quinn and Tradex) for an Insurer to reject a claim due to the car being unroadworthy. Note the words the Ombudsman uses eg "good evidence" and "The loss or damage was caused (or substantially contributed to)" So an Insurer would have too demonstrate that the fault caused or substantially contributed to the incident.

A few Vauxhalls had an problem with their handbrake failing and often rolling into other property or people. The Ombudsman would normally expect the Insurers to pay these claims as although the part was faulty in these cases it would not be possible for the owner to know that.

In addition if you have ever had a claim you will have found the majority of Insurers use fairly unskilled staff to take details of a claim and for most accidents they would just hand it over to they approved repairer who would then handle the quoting and repairing of the car. The repairers are normally just interested in getting the physical damage to a car and will normally not look for mechanical defects unless instructed by the Insurers. Most Insurers would not request site of an MOT except for written off and / or Fire Damaged and / or Malicious Damage and / or Stolen vehicles

You might find the Ombudsmans guidance on the classic "But For" issue

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/28/28-poormaintenance.htm

P.S I have never heard of an Insurer deducting the cost of an MOT from an offer for a car without a MOT

neilmcl

sho_me_da_money wrote: »

Im 28 years old (almost 29) - 1 accident (this thread) + 1 motoring conviction 2 years ago (TS10 - Traffic Lights). I have been driving for a total of 3 years. I am a Systems Analyst

How come you haven't got any NCB until now? Have you had accidents in the past that you're not letting on or have you been fronting on someone else's insurance (don't answer that )

easy

Well, given this post from yesterday, I think we can guess the answer to neilmcl's question.

sho_me_da_money wrote: »

Nah the Micra was bought for us a wedding present by the inlaws. I didn't know anything about it until it was unveiled it me the day (obviously not Brand New).


I just checked out a comparison site to see how much it would cost us if we were to purchase a new car for about £9500ish. Details entered, me (policy holder), wife (named driver), accident details as per this thread.

It would cost us about £2200 per year.

Im wondering if I should get the new car insured in my dads name whose got brilliant no claims record and then add myself and wife as additional drivers?

When filling out the forms for a new quote, I need to tell them about MY accident circumstances BUT do i need to reinput these same details for my wife too? (She is currently a named driver on the Micra)

pendulum

Funny how my impression of the OP has gone from an unlucky female new time driver who made an unfortunate mistake, to a careless, cocky insurance fronting geezer with more money than sense.

easy

pendulum wrote: »

Funny how my impression of the OP has gone from an unlucky female new time driver who made an unfortunate mistake, to a careless, cocky insurance fronting geezer with more money than sense.

I'm wondering what his in-laws will say when they find out what has happened to to the car they bought as a wedding present.
I imagine our poster will be one unpopular son-in-law....:o

cajef

Kilty wrote: »

I'm sure a qualfied ADI will be lurking and might notice this thread

If you are stationary in the vehicle you can leave it in neutral, at all other times you should park and leave the vehicle in gear in case of handbrake failure or someone forgetting to put it on as the OP in this thread managed so successfully to do, also if parking on a hill turn your front wheels towards the kerb dependant on which way your vehicle is facing.

An ex ADI.:D

iamana1ias

easy wrote: »

I'm wondering what his in-laws will say when they find out what has happened to to the car they bought as a wedding present.
I imagine our poster will be one unpopular son-in-law....:o

They bought him a micra. I don't think he was popular in the first place!

easy

iamana1ias wrote: »

They bought him a micra. I don't think he was popular in the first place!

Hey, we got 2 towels from a market stall from my inlaws. I think a Micra was a pretty decent present......

pendulum

iamana1ias wrote: »

They bought him a micra. I don't think he was popular in the first place!

:T:rotfl:
.

dacouch

Here is a similar case where the Insurer tried using the general MOT exclusion to not pay a claim, which after the OP sought advice from MSE members was subsequently paid.

http://forums.moneysavingexpert.com/showthread.html?t=1887019&highlight=quinn

Note Quinn lost a famous court case for many many millions of pounds where they tried to bump a customer on a claim and the judge came very close to a contempt of court charge against a senior member of their staff as he kept [STRIKE]telling lies[/STRIKE] changing his story