Third party car insurance claim

gunnag

My step daughter is 18 and has been driving for approx 9 months. Since motor insurance is so expensive for teenagers, I have included her on my multicar insurance policy. A few weeks ago, she unfortunatley reversed into a neighbours brick wall. Being a responsible person, she provided her details and explained the situation to us, her parents. We have been in contact with the neighbour and offered to pay for a builder to rebuild the wall. It wasnt a huge amount of damage, maybe 2ft wide by 2ft high, we estimate it could easily be fixed by a builder for around £200. Yesterday, I was contaced by our multicar insurance company. They mentioned that the neighbour was lodging a third party claim against us on their house insurance and have submitted a claim for nearly £1000. Naturally we are now upset as the neighbour has apparantly rejected our offer to fix the damage and and any claim against my step daughters insurance may affect her subsequent no claims and increase her premium next year. So my question is whether my step daughters car insurance company would accept this third party claim or whether they would reject it on the basis that we have offered to pay without claiming on the car policy. All info welcome.

Notmyrealname

Yes they will accept this third party claim. The fact you have offered to pay is completely irrelevant.

Even if they accepted it and you paid for the cost of the repair, your step daughter legally would have to declare she'd had an accident to the insurers and would have to declare it when applying for new insurance. Not to do so is fraud.

Not sure how multicar works but I suspect you may find your policy increases next year.

Quentin

You can still pay for this yourself and keep your NCD if that's what you want to do.

When the job has been completed contact your insurer and reimburse them their outlay, which will result in your lost NCD being reinstated.

(The claim will still have to be disclosed against your daughter's history if you go elsewhere for insurance in future. If she comes off your policy, then you will have to disclose it as part of your history. Insurers usually need the history over the last 3/5 years)

neilmcl

Is your Daughter the main driver of the car she has? Wouldn't the fact that you have her on your multi-car insurance class as "fronting"?

Foxy-Stoat_3

Arrr the "buzz" word comes out again !!! Fronting....

The details of the insurance for the daughter are irrelevant for the purposes of the OP's query.

I would of thought if you told your insurers that you have personally accepted liability and offered to pay for the damage out of your own money would invalidate the claim nicely and you should now be able to pay the builder directly for the repairs to the wall. You may like to get 2 or 3 quotes before you hand over £1000 for the repairs tho and be prepared to pay out what ever the quotation comes out to. You would still need to declare the incident for the next 5 years tho.

Read your policy document first..on page 22 of a certain multi-car policy with a blue sailor as the main marketing character, it states that you must not admit liability or negotiate the claim yourself!

buscape

neilmcl wrote: »

Is your Daughter the main driver of the car she has? Wouldn't the fact that you have her on your multi-car insurance class as "fronting"?

Why would it?

gunnag

A few more details, there are three cars on the multicar policy, two are mine and I have a 15 year protected ncd. My step daughter has her own car (Vauxhall Corsa 1.0), she is the only named driver on her car and she is not insured to drive my cars.
It seems odd that my neighbour would claim on their house insurance since they would incur a policy excess of maybe £200.

Sgt_Pepper_2

gunnag wrote: »

A few more details, there are three cars on the multicar policy, two are mine and I have a 15 year protected ncd. My step daughter has her own car (Vauxhall Corsa 1.0), she is the only named driver on her car and she is not insured to drive my cars.
It seems odd that my neighbour would claim on their house insurance since they would incur a policy excess of maybe £200.

No they won't, you will meet the full cost.

Quentin

gunnag wrote: »

It seems odd that my neighbour would claim on their house insurance since they would incur a policy excess of maybe £200.

Although they will have to pay their excess initially, assuming your insurer accepts liability, then your neighbour will be claiming this (along with all other uninsured losses) back from your insurer.

neilmcl

buscape wrote: »

Why would it?

I don't know, hence the question mark.

Quentin

neilmcl wrote: »

I don't know, hence the question mark.

The OP comes for advice, and you seize on him to "question" him on "fronting"?

!!!!!! has that got to do with the thread (or you for that matter)?