car insurance and non-fault claim

OnlyMe_08

Hi

Hope you'll be able to shed some light.

I currently have Third Party Fire Theft cover on my car, which was recently hit by another vehicle. I took my car in for repairs, but there wasn't any request to pay any excess - should I have? Policy states in the event of fire/theft, an excess of X amount is payable - how does excesses work?

Also, my policy is due for renewal and having searched around, on a like-for-like cover/extras, I could potentially save £200. However, this non-fault claim (incidently, would this have had an impact on my renewal premium with current provider?) is still open, for which I have outstanding expenses to claim - if I did switch insurer, would it jeopardise my out-of-pocket expenses?

Finally, when submitting details to get quotes, do I mention windscreen claim and this recent non-fault claim?

Thanks

McKneff

First of all slow down.

Has the other party admitted liability.

If they have , have their insurance company been in touch
If you are claiming from them your insurnacen company need not be involved apart from informing them of the accident for information only.

Excess doesnt come into it if you deal directly with the other party's ins. co.

Who instructed you to take your car in for repairs.

If you are shopping around you have to give information on all incidents/accidents whether at fault or not.

Quentin

OnlyMe_08 wrote: »

Hi

Hope you'll be able to shed some light.

I currently have Third Party Fire Theft cover on my car, which was recently hit by another vehicle. I took my car in for repairs, but there wasn't any request to pay any excess - should I have? Policy states in the event of fire/theft, an excess of X amount is payable - how does excesses work?

Also, my policy is due for renewal and having searched around, on a like-for-like cover/extras, I could potentially save £200. However, this non-fault claim (incidently, would this have had an impact on my renewal premium with current provider?) is still open, for which I have outstanding expenses to claim - if I did switch insurer, would it jeopardise my out-of-pocket expenses?

Finally, when submitting details to get quotes, do I mention windscreen claim and this recent non-fault claim?

Thanks

You only have to pay your excess should you claim off the policy (which only covers fire and theft).

In this case, you have no excess to pay as all costs are being paid by the "guilty" party's insurer.

Your open claim won't stop you moving insurer.

A non fault claim on your history can impact your premium, so shop around for the best deal, (always declare this incident, your windscreen claim and any others in the period being asked about - usually 3 to 5 years - when asking for quotes)

OnlyMe_08

Thanks to both for your replies.

McKneff - I reported the incident to my insurers (should I have dealt directly with the third party's insurer?). My insurer's arranged the repairs at an approved garage.

Regarding excesses - so compulsory/voluntary/both will only have to be paid when accident/incident is my fault?

Quentin

OnlyMe_08 wrote: »

Regarding excesses - so compulsory/voluntary/both will only have to be paid when accident/incident is my fault?

Excesses are "uninsured items", so you pay them whenever you claim off your own policy.

If a third party is to blame, then you can claim your uninsured losses (including your excess) from the third party.