Insurance claim against me after 4.5 months?

Rob_UK

Hello all,

My car rolled into other car in car park leaving scuff on other vehicle. Time went on and nothing happened. I then asked my insurance company is there anything happening and they said they are waiting for other party to make a claim and they have to leave claim open for 3 months. Its been now 4.5 months and I have heard nothing. Is there a law regarding this claim period? Can they still make a claim for my excess after 4.5 months?

Thanks.

Quentin

Third parties have 6 years to make a claim for damage you have caused.

(You shouldn't be paying any excess at all even if they do claim)

Rob_UK

Quentin wrote: »

Third parties have 6 years to make a claim for damage you have caused.

(You shouldn't be paying any excess at all even if they do claim)

Excess on my fully comp insurance policy is £450 and they say I`ll have to pay it once claim for repairs/replacement car hire etc comes in from claimant.

InsideInsurance

Who is the insurer?

Quentin is correct in saying that the excess is normally only payable if you are claiming for your own damages.

vaio

generally (almost exclusively) an excess is only payable on claims you make for damage to your own car

I think there is one particularly low buck insurance company that does do it on third party claims

Rob_UK

InsideInsurance wrote: »

Who is the insurer?

Quentin is correct in saying that the excess is normally only payable if you are claiming for your own damages.

SwiftCover. I`m also NCB protected and I`ll believe I`ll loose 1 or 2 years off my NCB.

Quentin

Rob_UK wrote: »

Excess on my fully comp insurance policy is £450 and they say I`ll have to pay it once claim for repairs/replacement car hire etc comes in from claimant.

Check your policy wording under the section that covers claims from third parties and see what it says there about any excess payable.

Who is the insurer?

Rob_UK

Quentin wrote: »

Check your policy wording under the section that covers claims from third parties and see what it says there about any excess payable.

Who is the insurer?

Will do that. I might have got something wrong or misunderstood them.

Quentin

Rob_UK wrote: »

SwiftCover. I`m also NCB protected and I`ll believe I`ll loose 1 or 2 years off my NCB.

If your NCD is protected, and you have all your "lives" intact, then it should not be impacted.

Unprotected NCD does go down by 2 years following a claim.

Rob_UK

Hmm, I thought I loose 1 or 2 years if I`m protected compared to loosing all years if unprotected.

Quentin

The Swiftcover online policy makes no mention of paying any excess for third party claims.