Car insurance - past claim not on my policy but car was stolen in my care

scubadaddy

Hi all,

I've been borrowing my father-in-law's car over the summer. In August it was stolen & turned up a few days later with 1000+ quid damage. I was a named driver on his policy which paid out the full amount (less excess).

Now when I come to get my own policy for the same car I get 444 pounds from price comparison websites. However when I've phoned up the insurers to explain this claim they've immediately added 200 pounds to the policy.

Is this fair? Girl on the phone claimed it was because there was a non-fault payment that the insurers had to pay out. However, simplistically I am sure that my father-in-law's insurance has gone up, so it seems cheeky for insurers to stick mine up as well; they are essentially profiting twice from only one accident.

Due to the wording of the questions they ask you I could just keep quiet & cross my fingers... however obviously I don't want to be in the situation where it crops up and invalidates my insurance.

I will go over the docs with a fine tooth comb but was just wondering if anybody had had this situation before (and fought back!)

thanks

Quentin

You need to answer the questions truthfully.

Should you not declare this, then get accepted but subsequently need to claim then your history will be checked out (your incident will be on the CUE database), and this will allow the insurer to void the policy and refuse the claim.

vaio

Quentin wrote: »

You need to answer the questions truthfully.

Should you not declare this, then get accepted but subsequently need to claim then your history will be checked out (your incident will be on the CUE database), and this will allow the insurer to void the policy and refuse the claim.

Agree with the first bit but I don't see how it is the OP's "incident" as she was neither driving, policy holder, car owner or claimant.

OP, you do have to answer the questions truthfully but other than that you don't need to add anything.

scubadaddy

That's rather my point - answering the questions truthfully on the webforms just leads to a load of NO answer - the questions do not cover this sort of incident.

I suspect that when I spoke to the girl on the phone she just raised it with her manager who said "stick another 200 quid on the policy" - that's probably what i'd do!

Hooloovoo

I would have thought any named drivers on a policy were irrelevant in any incident not involving the car actually being driven.

vaio

if the questions don't cover it then the insurance company don't care