Quick car insurance question

Padz_2

Hi,

I just have a quick question.

If person A drives into the back of person B's car and admits liability at the scene and person A's insurance company pays for the courtesy car and all the repairs.

Should person B's insurance company record this incident as a claim made by person B and record it on a renewal form as affecting person B's no claims bonus (which is protected?)

Furthermore should person B's insurance company record the above incident as a FAULT claim on the Motor Insurance Database?

I will name and shame the insurance company if the replies to this thread say that the above is as out of order as I think it is.

Thanks,
Padz

pendulum

If B's insurer hasn't had time to investigate the accident (takes months; insurers are slow at doing things) it may affect the NCB at renewal, but once things are sorted out, the full NCB should be reinstated as no claim was made against B. It certainly shouldn't affect B's NCB permanently if A's insurer has admitted liability. Re: recording it as a fault accident, it just sounds like B's insurer hasn't concluded that B was not at fault yet. How long was it since the accident?

Hammyman

Yes until it is all sorted out at which point, monies will be re-imbursed and all is rosy.

Even if there is a payout it would need to be declared on all applications for insurance as "Third Party Fault, All Costs Recovered" for the periods you're required to declare on applications. Pretty much every insurance company, online comparison site etc you go to have this as one of the options. If it is not declared and comes to light, the insurance policy in force is then invalidated and cancelled and then when looking for new insurance, not only would the accident have to be declared but the applicant would have to answer yes to the question of them having insurance cancelled or refused.

Padz_2

Pendulum - incident was 2008. Insurance company admit that they have made a mistake but the incident keeps reappearing on renewal forms as "No claims affected". There was never any doubt that Person A was responsible.

Hammyman - so the insurance company recording it as Person B's fault on the Motor Insurance Database is wrong to do so? It sounds as though it should be recorded as 'third party fault'.

thenudeone

Padz wrote: »

Insurance company admit that they have made a mistake but the incident keeps reappearing on renewal forms as "No claims affected". There was never any doubt that Person A was responsible.

Write a recorded delivery letter to them advising that since they are knowingly supplying false information, they are in breach of the Data Protection Act; and that they have 14 days to correct the situation before you make a complaint to the Information Commissioner.

Lum

And for future reference, never go through your own insurance company when the other party is clearly at fault, such as in the case of a rear ender.

Either approach the other person's insurers directly, or get your own no-win no-fee solicitor on the case.

Padz_2

Thanks for your thoughts thenudeone and Lum.

McKneff

Lum wrote: »

And for future reference, never go through your own insurance company when the other party is clearly at fault, such as in the case of a rear ender.

Either approach the other person's insurers directly, or get your own no-win no-fee solicitor on the case.

But you still have to contact your own insurance company to report the incident and make sure it is for INFORMATION ONLY.

Failure to do so could jeopardise any further claim.

Lum

McKneff wrote: »

But you still have to contact your own insurance company to report the incident and make sure it is for INFORMATION ONLY.

Failure to do so could jeopardise any further claim.

Yes, but you wont lose your NCB for the duration of the claim.

Your premium will still go up, but not as much as it will when a long drawn out claim (I've had one last 4 years) causes that "temporary" NCB loss to hit your renewal.