Insurance question (uninsured driver)

monkeyman123

A family member visiting over easter from abroad borrowed my car. I have comprehensive cover but he is not a named driver, although he is covered to drive any car fully comp.
He had an accident (whilst reversing onto my driveway, no other car involved).
His insurance will cover the cost of repair but are requesting a letter from my insurance to state they will not pay as an uninsured driver was driving at time of accident.
Surely this implicates me if I report this incident to my insurer. Obviously I need his insurer to pay for this damage but I do not want to report anything to my insurer in case of loss of no claims or increased premiums in the future.
Can someone please help me!
Thanks

fivetide

Right - if he's insured to drive any car, chances are it's third party only, that's why he won't be covered for this damage. It doesn't mean he is uninsured.

Second, if you report it to your insurance, you will get a premium rise next year as you will have had a claim. It will also cost you your excess.

Depending on the age of the car and the damage, I'd get him to pay for it or fix it up best you can or just live with it.

Of course if the car is a new one and now has a big hole in it you might be best off claiming and asking this chap to at least give you the excess back.

Depends how much you like the family I suppose!

5t.

monkeyman123

haha, thanks for that, great speedy response.

if anyone has anything else to add please let me know!

poppasmurf_bewdley

I think you'll find it's a condition of your insurance policy that you have to report ANY accident to your car, whether you are making a claim or not.

paddedjohn

I think five tide is spot on, either get it repaired yourselves and don't inform your insurance or if you use your friends policy you have to inform your insurance of a no fault claim

Sgt_Pepper_2

He came from abroad and has UK third party cover on his insurance?

monkeyman123

He came from abroad and his insurance covers him to drive any car, anywhere in Europe. Fully comprehensive! Dont ask me, thats how it works where he's from apparently!

Premier_2

monkeyman123 wrote: »

A family member visiting over easter from abroad borrowed my car. I have comprehensive cover but he is not a named driver, although he is covered to drive any car fully comp.
He had an accident (whilst reversing onto my driveway, no other car involved).
His insurance will cover the cost of repair but are requesting a letter from my insurance to state they will not pay as an uninsured driver was driving at time of accident.
Surely this implicates me if I report this incident to my insurer. Obviously I need his insurer to pay for this damage but I do not want to report anything to my insurer in case of loss of no claims or increased premiums in the future.
Can someone please help me!
Thanks

You are already implicated as it is your car!

You must advise your insurer of this accident.

If you make a full recovery, your NCD will not usually be affected ... but some insurers may still load your future premiums so do shop around come renewal time

thenudeone

monkeyman123 wrote: »

He came from abroad and his insurance covers him to drive any car, anywhere in Europe. Fully comprehensive! Dont ask me, thats how it works where he's from apparently!

He may have a policy and an insurance company which operates on that basis but that probably doesn't comply with the law, in that if it's a UK registered vehicle, it must be covered by a UK-authorised insurance company.

For example, some Polish migrants bought (cheaper) Polish motor insurance policies to cover their UK-registered cars, but these policies do not comply with UK Law, and they were technically driving without insurance.

So -
-you can inform his insurance company that he is not insured under your policy (which is true)
-you should inform your insurer of the accident (since he's already informed his insurers, the option to do it without informing anyone has probably gone)
-They may ask for documentation demonstrating that the driver was legally insured under UK law
-If you can't prove that, they might void your policy for allowing someone to drive your car whilst uninsured (for which they could have been held liable, had a third party suffered a loss)

Keep us informed.

Strider590

poppasmurf_bewdley wrote: »

I think you'll find it's a condition of your insurance policy that you have to report ANY accident to your car, whether you are making a claim or not.

OP was not driving and did not have an accident.....

Therefore it does not need to be reported to the insurance company.

Quentin

Strider590 wrote: »

OP was not driving and did not have an accident.....

Therefore it does not need to be reported to the insurance company.

Although that is correct, unless the OP does comply with the request from the third party insurer, and provide the requested info from his own insurer, then it is highly unlikely he will get his cake and eat it!!