A few q's now that my car is written off

mummybearx

Hi all

My dh (named driver on my policy) basically had an accident in my car last week. He drove through a puddle, hit a sunken drain which shoved the car sideways, clipped the kerb and clipped a telephone pole Car was towed away and DLine have now confirmed car is a write off, and I have accepted a settlement figure.

So, Q1, is my insurance policy now cancelled/void? Or do I still need to pay to the end of the policy (10 months left)?

Q2 As it was my dh who crashed and called the insurance company, do i have to declare this to a new insurance company, as the policy was in my name? Or is this classed as dh having an accident, so if he was to get another policy, he would declare it instead of me? New policy will just be in my name, he will get his own insurance for a different car.

Q3. Have I lost all my no claims bonus? Does it automatically get lost if my dh paid the excess on the policy?

Thanks for any advice!

vaio

1. Depends on your policy wording, generally you can transfer the policy to a replacement car but will need to carry on paying the rest of the instalments (assuming they don't take it out of your settlement cheque)

2. You both need to declare it

3. Assuming non protected ncb you'll loose 2 years and get none for this year

forgotmyname

As above but you lose 2 years from a max of 5. So if you had 5 or more you now have 3. Even if you had 20.

patman99

So why did the insurers not claim from the Council ?. If the pothole was that deep then they are negligent and by default responsible for the cost of the claim.

vaio

council are only liable if they have been negligent in the legal sense....

With pot holes that generally comes down to having been told about it and not fixed it in a reasonable time or not having inspected the road often enough.

Hintza

Must be Renfrewshire roads? Best schools in Scotland but worst roads!!

mummybearx

North Lanarkshire

No good schools and no good roads :rotfl:

Ratboy

ASAIK, You took a policy for 12 months, so by paying monthly, you must commit, you cannot cancel, although if you speak to them, they may take off the amount due from final payment?

Don't understand Q2, What's a DH? They are a named driver on your insurance? So it's your insurance they claim from.

Again, Q3? Why is the person who was driving paying YOUR excess on YOUR insurance? It is YOUR insurance, you are liable, regardless of what someone that is unable to drive your car, that you give them authority to drive it, so you lost your no claims, because it was your insurance.

McKneff

DH is darling husband, mebbe not so much of the Darling at the moment....:rotfl::rotfl::rotfl:

Lum

Ratboy wrote: »

Don't understand Q2, What's a DH? They are a named driver on your insurance? So it's your insurance they claim from.

It's an acronym that originates on Mumsnet and has spread to a few other places that share a common readership, such as MSE, though thankfully not into general internet use.

Means "Dear Husband", there's also DS and DD for Son and Daughter respectively. The last one is fun on this motoring forum since I always parse DD as "drunk driving" on the first pass, and have a similar problem with DS on the tech forum.

Ratboy

Lum wrote: »

It's an acronym that originates on Mumsnet and has spread to a few other places that share a common readership, such as MSE, though thankfully not into general internet use.

Means "Dear Husband", there's also DS and DD for Son and Daughter respectively. The last one is fun on this motoring forum since I always parse DD as "drunk driving" on the first pass, and have a similar problem with DS on the tech forum.

So basically it's txt spk, origionating from a mobile phone // Mumsnet - yawn!

People must remember that a mobile phone has limited text, so abreviate words. On a forum, that isn't the case. Twitter it is.

There is NO NEED to abreviate silly acronyms, just state what you mean, rather than something you made up, and has to be explained, otherwise we will all be using morse code, with the dissemblation of text.

... --- ...

Doesn't cost more to add characters, unless you are bad a twitter!