Insurance question (uninsured driver)

poppasmurf_bewdley

Strider590 wrote: »

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

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

Neither was the bloke whose car was left overnight when parked on the road outside his house and was damaged by a hit and run driver, but it still has to be reported to the insurance company whether making a claim or not.

neilmcl

fivetide wrote: »

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.

Informing the OP's own insurer doesn't mean that he will have made a claim and will not cost them any excess. The assumption is the OP will be informing his own insurer for information only, as he's obligated to do, and yes it will mean a likely increase in premiums but not because a claim has been made by the OP it'll because they'll be classed as a higher risk.

fivetide

neilmcl wrote: »

Informing the OP's own insurer doesn't mean that he will have made a claim and will not cost them any excess. The assumption is the OP will be informing his own insurer for information only, as he's obligated to do, and yes it will mean a likely increase in premiums but not because a claim has been made by the OP it'll because they'll be classed as a higher risk.

Agree. I was just trying to keep it simplistic given the way the first post was written.

5t.

Joe_Horner

NOt at all sure that the OP will be "obliged" to inform his insurer if an accident involving his car but while being driven by someone else under a different policy - you wouldn't have to notify your insurer of, say, damage caused while your car is on road test by a garage because the accident has absolutely nothing to do with you or "your" risk level.

From the info in the first post it looks as if what the other insurance company want is confirmation that the driver is not covered by your insurance. Virtually all "other / any car" policies have an exclusion for cases where the driver is covered by another policy.

You won't be implication yourself in an uninsured driver case assuming his insurance is valid - many countries have much more flexible insurance available than we get here - because he was insured, just not by your policy.

forgotmyname

Sounds like a bit of BS... About being covered fully comp on any car.

If he really was covered fully comp claim from him/his insurance and they will pay to get your car fixed..

mgdavid

forgotmyname wrote: »

.........
If he really was covered fully comp claim from him/his insurance and they will pay to get your car fixed..

please read post #1 slowly and carefully
(he is and they won't, without the letter he is asking about)

:wall: