£650 worth of damage, worth claiming?

shaun_from_Africa

It would depend on the exact wording of your contract,

What I quoted was the exact wording."Any claim, incident or loss"
http://www.theaa.com/insurance/pdf/car-insurance-policy-booklet-february-2012.pdf page 16

If there was no loss to a third party, and the repair can be carried out to a high enough standard, then there is no reason why you should inform your insurance company.

How many times must this be explained.
If the policyholder agreed in a legally binding contract to inform the insurers of an incident (and how can driving into a stationary post be anything but an incident?) then there is every reason to tell them.
Do you honestly believe that a motorist should be able to damage their car through their own incompetence (maybe many times), and then not have an obligation to inform the people who are providing insurance cover with a premium partly based on that drivers ability and driving history?

smashingyour...

Shaun

You're wasting your time with Constable Carter, he always knows best.

Jamie_Carter

shaun_from_Africa wrote: »

What I quoted was the exact wording."Any claim, incident or loss"
http://www.theaa.com/insurance/pdf/car-insurance-policy-booklet-february-2012.pdf page 16



How many times must this be explained.
If the policyholder agreed in a legally binding contract to inform the insurers of an incident (and how can driving into a stationary post be anything but an incident?) then there is every reason to tell them.
Do you honestly believe that a motorist should be able to damage their car through their own incompetence (maybe many times), and then not have an obligation to inform the people who are providing insurance cover with a premium partly based on that drivers ability and driving history?

As I said before, but you ignored, where do you draw the line??

Jamie_Carter

smashingyour... wrote: »

Shaun

You're wasting your time with Constable Carter, he always knows best.

Still stalking me?

shaun_from_Africa

Jamie_Carter wrote: »

As I said before, but you ignored, where do you draw the line??

I didn't ignore anything as my post stated that my insurance company don't have a line.
"Any claim, incident or loss"

As I've already mentioned, I probably wouldn't advise my insurers unless I was claiming or there was third party damage, but neither would I attempt to give incorrect advice to other people on this forum.

However, you seem to be the one ignoring questions.

Do you honestly believe that a motorist should be able to damage their car through their own incompetence (maybe many times), and then not have an obligation to inform the people who are providing insurance cover with a premium partly based on that drivers ability and driving history?

Jamie_Carter

shaun_from_Africa wrote: »

I didn't ignore anything as my post stated that my insurance company don't have a line.
"Any claim, incident or loss"

As I've already mentioned, I probably wouldn't advise my insurers unless I was claiming or there was third party damage, but neither would I attempt to give incorrect advice to other people on this forum.

However, you seem to be the one ignoring questions.

But we aren't talking (as far as we know), about someone who has had multiple accidents. In fact we know very little abut what actually happened.

I'm not even talking about what the insurance company tell you to do. I'm talking about damage to the OP's own property only (as far as we know). And that the OP is considering repairing at their own expense, so no cost to the insurance company. In this case it makes no difference if it was a small scratch, or a large dent. There is no point in informing the insurance company.

neilmcl

shaun_from_Africa wrote: »

What I quoted was the exact wording."Any claim, incident or loss"
http://www.theaa.com/insurance/pdf/car-insurance-policy-booklet-february-2012.pdf page 16



How many times must this be explained.
If the policyholder agreed in a legally binding contract to inform the insurers of an incident (and how can driving into a stationary post be anything but an incident?) then there is every reason to tell them.
Do you honestly believe that a motorist should be able to damage their car through their own incompetence (maybe many times), and then not have an obligation to inform the people who are providing insurance cover with a premium partly based on that drivers ability and driving history?

This is all true but notice that they say on that same page "Please tell us right away if anything changes which might affect your insurance". Therefore it can be argued that if an incident absolutely wont affect your insurance then there's really no need to inform them.

Ultrasonic

Daz2009 wrote: »

I keep reading this on here 'you must inform your insurance company even if you're not making a claim'...

...Now this happened probably 20 years ago but unless the law has changed I would do exactly the same thing again,I wouldn't involve my insurance company unless I was at least partially at fault and even then only if the other party wanted to claim against me.

I don't believe anyone has ever said it is a legal requirement, but it has certainly been a term of all of my recent car insurance policies.

As a different example, a car rolled into mine in the carpark at my workplace, due to the driver of the other vehicle forgetting to put their hand brake on. Neither of us were present at the time of the incident. I did report this to my insurer, as did the other driver, who reasonably accepted full responsibility. I've just had my renewel quote though and it is £10 cheaper than I paid last year.

Jamie_Carter

Ultrasonic wrote: »

I don't believe anyone has ever said it is a legal requirement, but it has certainly been a term of all of my recent car insurance policies.

As a different example, a car rolled into mine in the carpark at my workplace, due to the driver of the other vehicle forgetting to put their hand brake on. Neither of us were present at the time of the incident. I did report this to my insurer, as did the other driver, who reasonably accepted full responsibility. I've just had my renewel quote though and it is £10 cheaper than I paid last year.

Really??? You were lucky :T

Ultrasonic

Jamie_Carter wrote: »

Really??? You were lucky :T

I must admit I was unsure at the time, and got conflicting advice from different people. But pleased to see that common sense has prevailed .