Car write off - NOT my fault - insurance help?

nickyola

Third party admitted liability, so will get our excess and no claims back, but still left with debt of £2,500 as we had extra's on our finance - an extra warranty against breakdown etc. Our insurance and GAP insurance have paid out, but that will be claimed back from third party.

Just cannot believe that for an accident that was not our fault, that we are going to be left in so much debt because of it.

Any ideas anyone?!?!!

Nicky

Jackinbox99

Hang on, you paid £2500 extra for a breakdown warrenty?!?!!!!!!!

As long as the insurance company have paid out the market value of the car, then thats all you can do. Is the warrenty transferable? Or, is there a cancellation policy where you can get a refund?

MrRedundant

Proof that crime pays.

The OP admitted fronting - earlier in this post they stated the OH was the main driver and wasnt the policy holder as due to his previous it bumped up claims.

Sadly the circumstances meant this sort of thing wasnt checked.

societys_child

MrRedundant wrote: »

Proof that crime pays.

The OP admitted fronting - earlier in this post they stated the OH was the main driver and wasnt the policy holder as due to his previous it bumped up claims.

Sadly the circumstances meant this sort of thing wasnt checked.

Oh fgs, you don't really understand what fronting is do you .. think you're just living up to your name ... :rotfl:

vaio

as it was the TP fault it doesn't matter whether the OP was fronting (or even not insured at all) as the TP insurance would still pay out.

OP....I don't quite understand the extra costs you mention but the general rule is that any costs or losses resulting from the accident can be claimed from the TP driver

MrRedundant

societys_child wrote: »

Oh fgs, you don't really understand what fronting is do you .. think you're just living up to your name ... :rotfl:

Yes I do.

Fronting is where you make a false statement to the insurance regarding who the main driver is in order to lessen your quote.

Yes its typically parents and children but it isnt always.

In this case the OP admits the car is used most by the OH therefore they are the main driver. They admit this is to lower the cost. The fact they know this clearly shows the intent.

This is fronting and fraudulent.

Feel free to explain why it isnt.

Doozergirl

MrRedundant wrote: »

Yes I do.

Fronting is where you make a false statement to the insurance regarding who the main driver is in order to lessen your quote.

Yes its typically parents and children but it isnt always.

In this case the OP admits the car is used most by the OH therefore they are the main driver. They admit this is to lower the cost. The fact they know this clearly shows the intent.

This is fronting and fraudulent.

Feel free to explain why it isnt.

Oh come on. They both drive the car, he "probably" drives it more than her. It isn't his car, he has the finance because he was a better credit risk. If there are two of you, partners, living together driving the car pretty even amounts then there is no reason why one can't have the insurance over the other. Lots of men probably drive their wives' cars more a little bit than the wife because they often drive the car for her when they are together. She drives he car when she is alone, when they both need to make the journey, they are both covered, the split second decision is made that he drives.

H has the finance for my car because when we bought it, I wasn't working. I am the keeper, the insurance is in my name. As far as both of us are concerned, it's my car.

My H probably drives more miles in my car than I do but I probably spend more time driving it. I don't actually count it, there are no doubt periods when I drive it a lot more than he does. Most of his miles are done with me in the passenger seat because we like to conform to gender stereotypes If he is in it alone it's because he's popping out quickly and he can't find his keys or his car is in the garage for some reason. It's still my car and god forbid he gets chocolate on the drivers seat!

If I weren't so precious about it then I guess we could also insure him as the main driver of both the cars on the drive very legitimately. I would never put myself as the main driver of his car because I'm not and that would be fronting. I drive his car once in a blue moon, he drives it every day. That is what makes him the main driver. It's simple isn't it really?

My H is a grown man, been driving for years, but he can add his parents to his policy as named drivers to bring the cost down. Nothing to say that he can't. Any of us can slightly alter our occupation titles etc as long as it is truthful and find ourselves paying slightly less. There is a difference between finding the cheapest available deal for your own car(!) and blatantly telling an insurance company that you are the main driver and owner when you clearly are not and the car is essentially someone else's.

The fact that the insurance company paid out swiftly would indicate that they found nothing unusual. They will know her H had an accident and would have priced that risk accordingly. It's her car, she says it is her car, so it's her car. He probably drives more, possibly actually doesn't.

Get off your high horse. Suggest that people if they aren't sure, then have a sensible conversation with their insurer but you will generally find that there is more flexibility than you might think.

nickyola

We do both drive the car, have never really worried or spent long thinking about who drives most, this is not the issue here? My insurance paid out, the GAP insurance (in my OH's name) paid out, yet we are still left with debt as we took an extra warranty out on the car finance - this is not transferrable or refundable, hence we are in debt on a car that is no longer in use, through an accident that was not our fault. Our insurance company obviously had no issue with who drove the car most, we are both named drivers on the policy?!

My question was is there anything I can do about it? I have done nothing wrong, or carried out any crime here, I just want my question answering without being made to feel like I have done something wrong!!!

nickyola

vaio wrote: »

OP....I don't quite understand the extra costs you mention but the general rule is that any costs or losses resulting from the accident can be claimed from the TP driver

It was a warranty on the car for breakdown, mechanical stuff for 5 years:(

Non-transferable, can't cancel it, our insurance company won't chase for it, the legal team at admiral won't chase for it. Stuck.com
:mad:

vaio

Claim it off the third party together with any other uninsured consequential losses