urgent advice needed

Strider590

You don't really need to go through your ins company, it's all down to the guy behind and everyone should claim from him..... declaring the accident will hike future premiums whether you have NCB or not.

The insurance company will be happy to deal with the claim for you, because they'd use their own recommended repair centre and retain a cut of the profits from the repair + costs from the 3rd party.

Wh05apk

Strider590 wrote: »

You don't really need to go through your ins company, it's all down to the guy behind and everyone should claim from him..... declaring the accident will hike future premiums whether you have NCB or not.

On the insurance application the question will be something like "have you had any accidents regardless of claim" so you should still declare, if you don't it could invalidate the policy. If its a no-fault accident, it should not affect the premium.

Print_Screen

Wh05apk wrote:

it should not affect the premium.

But doesn't having an accident raise your premiums regardless of fault as you are statistical more likely to have another one? Although this seems unfair to me

Wh05apk

Print_Screen wrote: »

But doesn't having an accident raise your premiums regardless of fault as you are statistical more likely to have another one? Although this seems unfair to me

It "shouldn't" do, if it was a non-fault one, I suppose if you list 30 non-fault accidents, they might start to wonder what you are doing!

no-oneknowsme

Quentin wrote: »

Does he have commuting included in his cover? And if he was not at fault his insurer wouldn't have been paying anyway!

No , he didnt have commuting cover on his policy .

The third party (in both accidents would you believe lol) were also insured with Axa . Think this was the main reason they quoted him such a high renewal quote this year...they wanted rid of him:rotfl:

Strider590

Print_Screen wrote: »

But doesn't having an accident raise your premiums regardless of fault as you are statistical more likely to have another one? Although this seems unfair to me

Correct.... It will raise your premium regardless of fault.

In some ways I can understand it, because if some dithery old dear is constantly getting rear ended at traffic islands, she's clearly doing something wrong.

On the other hand, the ins company has not been out of pocket.... (not that they ever are).

Inactive

Strider590 wrote: »

Correct.... It will raise your premium regardless of fault.

In some ways I can understand it, because if some dithery old dear is constantly getting rear ended at traffic islands, she's clearly doing something wrong.

On the other hand, the ins company has not been out of pocket.... (not that they ever are).

What exactly can she be doing wrong to get rear ended?

rugbywidow15

On the claim form she just needs to say that she was driving along and approached roundabout and was hit from behind. I wouldn't mention the on my way home from work bit and would be very surprised if they the insurers even ask about it. They could if they wanted send invesitigators to the house and they could ask your neighbours if they have ever since your daugther using the car for travelling to work but very unlikely they are going to do this unless the claim was going to be a fortune. She probably doesn't have commuting as the person selling the policy removed it to make the premium cheaper, you could ask to listen to the orginal sales call and see if she asked for it and then was told it was excluded. If she did ask for it and wasn't told it wasn't on the policy then you can complain and she would be covered anyway.

I used to work for Rbs/churchill (9years) and if after an accident we find out that a detail is incorrect, then we would normally make the amendment to the policy and charge the difference. They could then void her cover which means she will have to get another policy elsewhere.Assuming she has a copy of her insurance certificate, then legally they would still pay under road traffic act for the damage caused to other involved.

Her policy premium may go up at renewal, as she will now have a non fault claim listed against her. Some claims take a while to resolve and her claim may not be sorted with companies at renewal and she will then have to wait to get her ncd reinstated and her premium may go up but it will go down once claim is closed. I understand its not her fault but the statistics that insurance companies are all based on risk and if you have had a non fault claim there is a higher risk you may have another accident.

rugbywidow15

You would also be surprised by the number of people that phone in after a claim and say
I didn't know I needed to tell you this but my car is modified, has alloys, has been lowered, I dediced to make it a convertiable, i have points on my licence, my car has a bigger engine, I am on a provisional licenece, I have no licence etc etc

Quentin

rugbywidow15 wrote: »

They could then void her cover which means she will have to get another policy elsewhere.Assuming she has a copy of her insurance certificate, then legally they would still pay under road traffic act for the damage caused to other involved.

However, in that scenario, the insurer would then train their sights on the (ex) policyholder to reimburse their outlay!