Car Insurance: What constitues to making a claim?

harveybobbles

Car Ins due for renewal next month, just shopping around and wondering what to put for the question "Have you made a claim in the last 5 years, regardless of fault.."

Well, in 2011 someone ran into the back of me, but I never claimed from my insurance. I went via my Solicitor who recovered the costs from the third party's insurance.

So does this mean that I've made a claim or not? As all I did was instruct my Solicitor.

notanewuser

harveybobbles wrote: »

Car Ins due for renewal next month, just shopping around and wondering what to put for the question "Have you made a claim in the last 5 years, regardless of fault.."

Well, in 2011 someone ran into the back of me, but I never claimed from my insurance. I went via my Solicitor who recovered the costs from the third party's insurance.

So does this mean that I've made a claim or not? As all I did was instruct my Solicitor.

Yes. A claim was made.

fivetide

Yes you made a claim. You are a higher risk because you've had a crash even if it wasn't your fault. That's what "regardless of fault" means

Next you'll be taking a car back to a dealer because the petrol light has come on after five days of use....

harveybobbles

fivetide wrote: »

Next you'll be taking a car back to a dealer because the petrol light has come on after five days of use....

only if it breaks down..

spacey2012

A claim is a legal term for having a contractual clause brought in to force.
For this you have to be a contract holder.
You can not claim on someone else's contract.
Insurance companies love dragging the wool here.
The other driver claimed your loss on his contract of insurance and that loss was paid to you as you were the third party who suffered loss caused by the first.
So legally you did not claim as it was not your contract.
However Insurance companies like their cake and to eat it, so I would ask them to define what they constitute as a claim.

harveybobbles

spacey2012 wrote: »

A claim is a legal term for having a contractual clause brought in to force.
For this you have to be a contract holder.
You can not claim on someone else's contract.
Insurance companies love dragging the wool here.
The other driver claimed your loss on his contract of insurance and that loss was paid to you as you were the third party who suffered loss caused by the first.
So legally you did not claim as it was not your contract.
However Insurance companies like their cake and to eat it, so I would ask them to define what they constitute as a claim.

That is sort of how I was understanding it.

spacey2012

I would ask them to define it.

dacouch

harveybobbles wrote: »

That is sort of how I was understanding it.

What is the exact entire question they have asked and which Insurer is it?

Rolandtheroadie

I thought they all asked if you had any accidents in the past 5 years as well.

harveybobbles

"Have you had any accidents or claims in the last 5 years.."

laidbackgjr

harveybobbles wrote: »

"Have you had any accidents or claims in the last 5 years.."

So the answer is you have not had a claim, but you have had an accident, so need to answer with YES.