Car insurance notification?

iolanthe07

My car was driven into whilst stationary and parked in a Morrison's car park. I had to tell my insurance company, who marked it as a no fault incident. It didn't affect my premium or no claims bonus.

da_rule

The answer depends on your driveway. If it is a driveway where the public are able to access it then it could be classed as being part of the highway (see https://www.gov.uk/using-the-road-159-to-203/the-road-user-and-the-law). If it is not accessible to the public (gates etc) then it is not. If it is accessible then you should report it as a no fault accident. If it is not accessible then you probably don't have to report it as most insurance companies don't cover loss on private land etc.

Also, I doubt Asda claimed through then insurance, as their excess is probably quite high so wouldn't be worth doing.

arcon5

Not sure asda would have paid an excess since the claim was by a third party (even if asda was the ones handling communications)

InsideInsurance

da_rule wrote: »

If it is not accessible then you probably don't have to report it as most insurance companies don't cover loss on private land etc.

Only RTO insurance doesnt cover accidents on private land. Never heard of any insurer offering RTO cover to personal lines customers and even in commercial lines its very rare.

Why on earth do you think that most insurance companies dont cover incidents on private land?

dacouch

InsideInsurance wrote: »

Only RTO insurance doesnt cover accidents on private land. Never heard of any insurer offering RTO cover to personal lines customers and even in commercial lines its very rare.

Why on earth do you think that most insurance companies dont cover incidents on private land?

The pub....

InsideInsurance

dacouch wrote: »

The pub....

Yet another thing the pub has to answer for... I better go down there now :beer:

dacouch

InsideInsurance wrote: »

Yet another thing the pub has to answer for... I better go down there now :beer:

I tend to bite my tongue when the urban myths about Insurance are spouted in the pub now days

InsideInsurance

dacouch wrote: »

I tend to bite my tongue when the urban myths about Insurance are spouted in the pub now days

Was more thinking about having a beer than chatting about insurance tbh

da_rule

InsideInsurance wrote: »

Why on earth do you think that most insurance companies dont cover incidents on private land?

The reason I say that is because, growing up in a rural environment, when people used to use their vehicles for hare coursing and lambing etc on the fields they used to have to push/tow the vehicles onto the road if they got involved in an accident as their insurance wouldn't cover them on the private fields.