Automatic Car Insurance Renewal

dacouch

Phoebe- wrote: »

Most insurers offer personal injury cover of some sort as standard with their policy that has a quicker turnover for payout than the MIB.

I was just saying that's what I know from my professional opinion. But obv if people are happy to wait and go through the MIB then that's fine too. Each to their own.

I think you may be confused, most policies include Personal Accident cover however it is for defined injuries such as losing the use of a limb, finger / thumb, eye or actual death. If as a policyholder you had a more common motor injury such as whiplash you would get sweet fa off your own Insurance policy.

raskazz

Phoebe- wrote: »

Most insurers offer personal injury cover of some sort as standard with their policy that has a quicker turnover for payout than the MIB.

What??

Please show me one motor policy wording that includes indemnity payments to the driver of the insured vehicle in respect of personal injury.

Edit: Dacouch has just beat me to it! Most comprehensive policies offer nominal sums under a section providing a personal accident benefit but this cover can in no way be compared to payments in respect of personal injury under the Road Traffic Act.

lisyloo

esure?

http://www.esure.com/wcm/groups/public/documents/webcontent/em_policy_booklet_november_2009.pdf

1. Personal accident
If you or your partner are accidentally injured as a direct result of an accident involving your
car or while travelling in or getting into or out of any car, and within three calendar months
this injury is the sole cause of:
• death
• permanent loss of sight in one or both eyes; or
• loss of one or more limbs
we will pay the injured person or their legal representatives the amount shown in
your Schedule.

I think we agree, it's for limited things - like loss of limbs and not for whiplash etc. (the more common things you'd get in a car accident).

raskazz

lisyloo wrote: »

esure?

http://www.esure.com/wcm/groups/public/documents/webcontent/em_policy_booklet_november_2009.pdf



I think we agree, it's for limited things - like loss of limbs and not for whiplash etc. (the more common things you'd get in a car accident).

That's not an indemnity payment - that's a personal accident benefit!

Phoebe-

Yeah, I didn't mean it was for whiplash things like that as that's something that would be claimed off the third party (if there was one).
Just most fully comp policies offer some sort of personal injury for serious injury/accidental death, so like loss of limbs/eyes etc.

raskazz

Phoebe- wrote: »

Yeah, I didn't mean it was for whiplash things like that as that's something that would be claimed off the third party (if there was one).
Just most fully comp policies offer some sort of personal injury for serious injury/accidental death, so like loss of limbs/eyes etc.

Yes but you are entitled to claim payment under the personal accident benefit in addition to payments due under the RTA so I still don't understand what you are saying by

Phoebe- wrote: »

That takes years and years, and you get pittance back to be honest!

?

Phoebe-

Urghh...Just forget it. I was just trying to be helpful, but tbh it's not worth the hassle when it feels like you're just looking for an arguement.

raskazz

Phoebe- wrote: »

Urghh...Just forget it. I was just trying to be helpful, but tbh it's not worth the hassle when it feels like you're just looking for an arguement.

I'm not looking for an argument. I want to understand what point you are trying to make. After all, many uninformed consumers read this board and rely on advice given upon it, so it's important that such advice is accurate.

Phoebe-

The thread initially started off regarding a cancellation of auto renewal, and along the way it was mentioned about claiming money back for injuries/death etc if hit by an uninsured driver - and that this can be claimed through the MIB.

I was just stating that most fully comp policies offer standard personal injury cover to a certain extent, (i.e £5000 for example) and it's not an imdemnity so you can claim it in addition to the MIB, but the main benefit is that it's purley compenstation, and in theory it's paid out sooner than the MIB. So I was just stating it's there if needed (with most policies) - that's all.

At the end of the day, I'm just telling you what I know, from what I'm told at my job, and what we advise thousands of customers every single day...and seen as we're regulated by the FSA if we were doing it wrong...well...we wouldn't be in business. But I don't wanna get into an arguement about it, honestly, I was only just trying to help. So I'll just leave my point regarding personal injury there.

foggytown

Phoebe- wrote: »

The thread initially started off regarding a cancellation of auto renewal, and along the way it was mentioned about claiming money back for injuries/death etc if hit by an uninsured driver - and that this can be claimed through the MIB.

I was just stating that most fully comp policies offer standard personal injury cover to a certain extent, (i.e £5000 for example) and it's not an imdemnity so you can claim it in addition to the MIB, but the main benefit is that it's purley compenstation, and in theory it's paid out sooner than the MIB. So I was just stating it's there if needed (with most policies) - that's all.

At the end of the day, I'm just telling you what I know, from what I'm told at my job, and what we advise thousands of customers every single day...and seen as we're regulated by the FSA if we were doing it wrong...well...we wouldn't be in business. But I don't wanna get into an arguement about it, honestly, I was only just trying to help. So I'll just leave my point regarding personal injury there.

No arguments here but, treating this as an academic exercise . . .

would it be fair to assume that the comp policy with the first party personal accident feature would have subrogation rights against the responsible party? If so, and the resposible party were uninsured, would the comp policy insurer be able to make a claim against the MIB? If not, could there be provision that the insurer can make a recovery claim against any compensation received by their insured from any source?

In addition it is interesting to note that a passenger in the insured vehicle gets two bites of the cherry: one as a recipient of the p.a. feature and the other as a potential third party liability claimant.