Vanderlism causing write offs

chiplily

Help Help!

Any advice gratefully received. My 19 year old son parked my car in a car park with cameras on Friday night. It was only parked for about an hour and a half and was kicked forcefully on both sides and at the back, leaving huge dents and damage which means it will most definitely cause it to be a write off.

My question to everyone is does anyone know how this will be affected through Aviva for insurance. I am really concerened as my son has driven so carefully for 2 years, knowing how his age goes against him for insurance. Would a claim, even though not his fault in any way go against him or myself. I am insured fully comp with my son as a named driver earning his own no claims.

We are waiting for the police to look through any filming. I am really worried as this is the last thing we can afford to pay out for especially before christmas. But I need to decide do we pay out a huge amount of money when the car is only worth about twice as much as the repair costs. Or claim through our insurance and risk my son being priced out of driving altogether.

Any advice please
:eek:

Quentin

A "fault" claim is one where the insurer cannot get recompense off a third party for any reason, not whether or not the policyholder caused the damage through his "fault".

Thus if you make a claim and the vandals cannot be identified (or cannot pay up) then it will be a fault claim.

You can see what difference this will make to future premiums by doing virtual quotes online with and without your loss of NCD and with and without the claim on your son's history.

Note that if you claim you will have to pay your excess.

chiplily

Thankyou Quentin, its more or less what I thought unfortunately. So unfair but I expect it happens all the time. Just wondered I have no claims protection, does it actually make any difference?

I will try some vitual online quotes as suggested, the excess is also £100 more for my son, making it a whopping £300.

:mad::mad:

Quentin

If you have NCD protection, then your NCD won't be affected if you claim over this. (Assuming you haven't used up all your claim "lives" prior to this.)

vaio

what's the car worth? what did this years insurance cost?

chanz4

Are you fronting his insurance......

chiplily

No Quentin, I have not claimed anything before. Would my no claims protection also be given to my son? Just wondered if this might make things a little better.

Thanks for all your help,much appreciated.
:A

chiplily

'fronting his insurance' Chanz 4, What do you mean? We both drive a car owned by me.

mikey72

What's the write off value of the car?

Quentin

chiplily wrote: »

No Quentin, I have not claimed anything before. Would my no claims protection also be given to my son? Just wondered if this might make things a little better.

Thanks for all your help,much appreciated.
:A

If there is a claim off the policy (albeit your son was driving at the time of the incident), then it will be your NCD that will be affected (or not affected, if it is protected).

mikey72

Quentin wrote: »

If there is a claim off the policy (albeit your son was driving at the time of the incident), then it will be your NCD that will be affected (or not affected, if it is protected).

It'll affect both of them, but without knowing what the car's worth, it's impossible to comment on the best course of action.