Burglar stole my car, scratched someone elses and i have to pay?

Gene_Hunt_2

cyclonebri1 wrote: »

Don't quote me on this but surely damage to your care would be covered as it is part of a theft??

It will be, yes.

shelleuk

Thanks for the replies, Yes my insurers know about the theft and have put a 'mark' on my file. So obviously my premiums are going to rocket at renewal anyway. They were only concerned with the fact that it was all documented with the police. I am not fussed about the damage to my car its minor and my car is classed as a stolen and recovered now anyway so its resale value plummeted already. They did say if she is making a claim i need to give them her insurance details. At the minute i dont know what shes doing so i will to see if she knocks again today then let them know. I will just give up driving when it comes to renewal the car is just sat there most days and is costing me money when i have only driven a handfull of times since giving up work 3 years ago. My partner drives us everywhere and i walk if hes at work. I would probably have to give the car away at this rate. I pay £30 a month car insurance so giving her £150 to settle privatly just seems pointless.

Gene_Hunt_2

shelleuk wrote: »

Thanks for the replies, Yes my insurers know about the theft and have put a 'mark' on my file. So obviously my premiums are going to rocket at renewal anyway. They were only concerned with the fact that it was all documented with the police. I am not fussed about the damage to my car its minor and my car is classed as a stolen and recovered now anyway so its resale value plummeted already. They did say if she is making a claim i need to give them her insurance details. At the minute i dont know what shes doing so i will to see if she knocks again today then let them know. I will just give up driving when it comes to renewal the car is just sat there most days and is costing me money when i have only driven a handfull of times since giving up work 3 years ago. My partner drives us everywhere and i walk if hes at work. I would probably have to give the car away at this rate. I pay £30 a month car insurance so giving her £150 to settle privatly just seems pointless.

Wow, that's one expensive car. If only you'd sold it when you gave up work. If you don't intend to have another within two years, I'd have everything sorted on the insurance, sell it and cut your losses.

Gavin83

Would you not claim against the person who's driving though? Surely if I borrowed someones car and had an accident then the claim would be on my insurance, not the car owners or am I wrong? Why is this situation any different?

Gene_Hunt_2

Gavin83 wrote: »

Would you not claim against the person who's driving though? Surely if I borrowed someones car and had an accident then the claim would be on my insurance, not the car owners or am I wrong? Why is this situation any different?

The person driving has no insurance.

ElkyElky

Gavin83 wrote: »

Would you not claim against the person who's driving though? Surely if I borrowed someones car and had an accident then the claim would be on my insurance, not the car owners or am I wrong? Why is this situation any different?

The theif may not have insurance, probably won't even have a licence?

I wouldn't have thought insurance would cover this. The policy is in shelleuk's name, not the name of the theif. In any other situation, if the driver isn't listed in the insurance policy, it means they aren't covered and thus driving uninsured.

The theif was uninsured to drive the car so how can the other party possibly claim from shelleuk's insurance? There is something odd with this whole situation, you need to speak to CAB or a solicitor to find out where you stand.

vaio

shelleuk wrote: »

Thanks for the replies, Yes my insurers know about the theft and have put a 'mark' on my file. So obviously my premiums are going to rocket at renewal anyway. They were only concerned with the fact that it was all documented with the police. I am not fussed about the damage to my car its minor and my car is classed as a stolen and recovered now anyway so its resale value plummeted already. They did say if she is making a claim i need to give them her insurance details. At the minute i dont know what shes doing so i will to see if she knocks again today then let them know. I will just give up driving when it comes to renewal the car is just sat there most days and is costing me money when i have only driven a handfull of times since giving up work 3 years ago. My partner drives us everywhere and i walk if hes at work. I would probably have to give the car away at this rate. I pay £30 a month car insurance so giving her £150 to settle privatly just seems pointless.

Yep, unless you are a named driver on OH policy in which case you need to consider the effect on their premiums that you having a fault claim on your record is going to cause.

Gene_Hunt_2

ElkyElky wrote: »

The theif won't have insurance, probably won't even have a licence?

No permission to drive hence the theft???

vaio

ElkyElky wrote: »

......I wouldn't have thought insurance would cover this. The policy is in shelleuk's name, not the name of the theif. In any other situation, if the driver isn't listed in the insurance policy, it means they aren't covered and thus driving uninsured.

The theif was uninsured to drive the car so how can the other party possibly claim from shelleuk's insurance? There is something odd with this whole situation, you need to speak to CAB or a solicitor to find out where you stand.

Read post #9 and all will become clear

Gavin83

Gene_Hunt wrote: »

The person driving has no insurance.

In which case surely it should be treated in the same way as an accident with an uninsured driver?