Hit by possibly uninsured driver,, police not interested

vaio

and, for £10 you can get a copy of any CUE record to double check.

Generally...fault & non fault in the insurance world is not to do with blame, it's to do with did your insurer/you get all the costs back from the other party.

Yes = non fault
No = fault

[Deleted User]

Put "no fault" when shopping for insurance, if it is queried all blame will lie with Aviva for telling you that. As a consumer you can take their word for it, you would be behaving correctly.

dacouch

DELETED USER wrote:

Put "no fault" when shopping for insurance, if it is queried all blame will lie with Aviva for telling you that. As a consumer you can take their word for it, you would be behaving correctly.

DELETED USER wrote:

Do you have legal cover? If so make sure that Aviva pursue him for every penny so it doesn't count as an at-fault claim against your record.

erm.......

vaio

I think I might be able to see a slight flaw in that cunning plan

Aretnap

If your old insurer had told you that you could report it as a "no-fault" claim then if the new insurer disagreed I think you could make an argument that you'd reasonably believed that you were supplying the correct information, and therefore that you shouldn't be penalised for it. However it's not an argument that I'd want to have to make after I'd had my policy voided and been presented with the bill for a serious accident.

I've noticed that some insurers seem to have stopped asking about "fault" and started asking "was full recovery made from the other party?" or something similar. This is arguably a better wording, and if you were asked a question like that anything Aviva told you about "fault" would certainly be irrelevant.

1jim

I asked about the CUE database entry and this was the reply


This will be recorded as a non-fault incident on the CUE database as I have allowed your No Claims Years at 0% responsibility for the incident that took place. Due to the circumstances you would only be able to claim under the ‘Uninsured Driver Promise’ if the accident was not your fault. You shouldn’t have any issues with future policies/insurers but if they do query it we are always able to provide you with a letter disclosing that this incident was a non-fault on your behalf and had no effect on your No Claims Discount, I hope this helps.

[Deleted User]

I should make myself clear. You can put it as "no fault" until Aviva say otherwise. As far as you are concerned it is not your fault and if you have legal cover you expect Aviva to sue the uninsured driver to recover the costs.

Quentin

DELETED USER wrote:

I should make myself clear. You can put it as "no fault" until Aviva say otherwise. As far as you are concerned it is not your fault and if you have legal cover you expect Aviva to sue the uninsured driver to recover the costs.

You don't seem to understand that "fault" in this context does not have anything to do with "blame".

The OP is not to blame, though his claim is a "fault" claim!

And whether or not the OP has "legal cover" is irrelevant to Aviva chasing the driver to "recover the costs" - that isn't why we are asked to pay extra for "legal cover", (which is for uninsured loss recovery)

[Deleted User]

Quentin wrote: »

You don't seem to understand that "fault" in this context does not have anything to do with "blame".

The OP is not to blame, though his claim is a "fault" claim!

And whether or not the OP has "legal cover" is irrelevant to Aviva chasing the driver to "recover the costs" - that isn't why we are asked to pay extra for "legal cover", (which is for uninsured loss recovery)

When I do a comparison search it asks me if I have had any accidents that were my fault. That is a simple, plain English question that I answer truthfully. More over most sites ask you for specifics, such as "hit by uninsured driver" now.

As you point out, legal cover is for recovery of uninsured losses. If you don't have it the insurance company will often just say "too bad, guy had no insurance, it's up to the police but your fully comp policy will cover the costs (and jack up your premiums)". If you have legal cover they will pursue the uninsured person for those costs. This has happened to myself and a close relative, and in both cases we were told that due to having legal cover the insurance company would sue the uninsured driver, and that if we didn't have it the cost would have counted against us instead.