Is there anything I can do?

scottishgirl87

I live on a hill and my neighbours car has rolled down the hill and into the back of my car :mad: He has said we can work out whether to go through insurance or he'll pay for the damage. I've just had a quote, which is fine, but have been told that it'll take 3-4 days to fix. So basically I'm going to be without my car for 4 days through no fault of my own which is what is annoying me the most. How am I supposed to get to work and back?!

If it went through insurance then I would get a courtesy car but I don't want to affect my own premiums as my insurance is up for renewal next month as well.

Seems like I'm in a lose-lose situation :mad:

Sgt_Pepper_2

You should tell them anyway, even if you sort it for cash.

fivetide

Ask him to cover the costs of hiring a car.

As long as you don't go crazy it should be fine. not sure if you are still based in Scotland but Arnold Clark do rentals from Corsas etc upwards so they might be able to help.

I expect it will cost him a few hundred quid even if you take a cheap one though.

5t.

scottishgirl87

fivetide wrote: »

Ask him to cover the costs of hiring a car.

As long as you don't go crazy it should be fine. not sure if you are still based in Scotland but Arnold Clark do rentals from Corsas etc upwards so they might be able to help.

I expect it will cost him a few hundred quid even if you take a cheap one though.

5t.

I thought about this but we're not on the greatest of terms and he's not exactly reasonable! Annoys me even more that his own car was already bashed to bits, whereas, some of us take care of our cars.

McKneff

I wouldnt entertain him to be honest, he is trying to get out of his premiums going up, apart from the fact that all insurance contracts contain a clause that you must inform them of all 'incidents' anyway.
Dont tell them and you are in breach of contract.
If he doesnt cover the cost of a hire car, deal directly with his insurance company, tell your own 'For Information Only' and tell him to inform his insurance company, contact them and they will sort everything out for you. He's a cheeky sod in my opinion.

fivetide

McKneff wrote: »

I wouldnt entertain him to be honest, he is trying to get out of his premiums going up, apart from the fact that all insurance contracts contain a clause that you must inform them of all 'incidents' anyway.
Dont tell them and you are in breach of contract.
If he doesnt cover the cost of a hire car, deal directly with his insurance company, tell your own 'For Information Only' and tell him to inform his insurance company, contact them and they will sort everything out for you. He's a cheeky sod in my opinion.

This. If he's a bit of a gimp anyway, stick it to him, inform your company for info only. He might not be insured at all and given the circumstances he won't have a leg to stand on.

Did you take pictures etc? You don't want him claiming your car rolled into his....

5t.

scottishgirl87

Thanks to both of you. But am I able to tell my insurance company for info without them marking it against me?

I've been in a similar situation before and despite the other parties insurance fully covering it I still have it marked as a claim against me and have had to declare it since.

McKneff

Some insurance companies put up your premium for a no fault accident, some dont. But, you dont have any choice, you have to inform them. Its in your terms and conditions on your policy. Ask them when you ring them if it has any impact on your premiums.
You may even be able to claim any rise in premiums from the other party anyway.

Ive had two non faults in 2 years, both with the Coop, it didnt cost me any more in premiums with them,
I then changed to Aegis in June, informed them of the 2 no faults and it didnt impact on my premium with them either.

Crabman

scottishgirl87 wrote: »

Thanks to both of you. But am I able to tell my insurance company for info without them marking it against me?

I've been in a similar situation before and despite the other parties insurance fully covering it I still have it marked as a claim against me and have had to declare it since.

You'll have to declare all incidents anyway, but you can ask the insurer of the at fault party to cover any increased premiums (as that is a result of the event that they are liable for).

scottishgirl87

McKneff wrote: »

Some insurance companies put up your premium for a no fault accident, some dont. But, you dont have any choice, you have to inform them. Its in your terms and conditions on your policy. Ask them when you ring them if it has any impact on your premiums.
You may even be able to claim any rise in premiums from the other party anyway.

Thanks, again. You and fivetide have persuaded me that this is the way to go. It's a non-fault accident I have against me already but I have just checked my policy online and it does say I was not at fault so hopefully both incidents will not affect my premiums at renewal next month.

scottishgirl87

Crabman wrote: »

You'll have to declare all incidents anyway, but you can ask the insurer of the at fault party to cover any increased premiums (as that is a result of the event that they are liable for).

Thanks, I am going to inform them now. However, I did have a previous incident where I hit a wall, completely my own fault and I inquired with my insurance at the time. I ended up paying to fix it myself and my insurance company told me that I didn't even need to inform them unless I was claiming through them :think:

EDIT: Just realised that may have been due to the fact there wasn't another car involved?