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car got scratched by someone who took 30 minutes to paralell park and scratched my

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Comments

  • londonTiger
    londonTiger Posts: 4,903 Forumite
    jimjames wrote: »
    You assume wrong.

    I've never, ever been asked the condition of a car when taking out a policy. Which company asked you that question when you took one out?

    perhaps they asked but you missed it. Easily done, they go through a lot of questions.

    Both times I've claimed they've asked if there are any other damages, on the car.
  • Quentin
    Quentin Posts: 40,405 Forumite
    edited 11 August 2014 at 9:04PM
    perhaps they asked but you missed it. Easily done, they go through a lot of questions.

    Both times I've claimed they've asked if there are any other damages, on the car.
    Now you say you got asked following your claims, which is quite different to what you posted!

    Which was:
    I assume the insurer asks when you first get the policy whether there is any damage to the car.
    Instead of making patronising comments when people take the time to correct your many misconceptions and incorrect assumptions why not just stand corrected?
  • jimjames
    jimjames Posts: 18,917 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    perhaps they asked but you missed it. Easily done, they go through a lot of questions.

    Both times I've claimed they've asked if there are any other damages, on the car.

    I took out a new policy last week so it's very fresh in my mind. It was a long call and went through in detail about drivers and all the modifications to the car but not once was I asked about condition or any damage.
    Remember the saying: if it looks too good to be true it almost certainly is.
  • topdaddy_2
    topdaddy_2 Posts: 1,408 Forumite
    Ive never been asked about pre existing damage.
  • topdaddy wrote: »
    Ive never been asked about pre existing damage.

    The only times you would be when setting up a new policy is a fixed valuation policy and these are almost exclusively in the classic car/bike space in the UK.
  • RichardD1970
    RichardD1970 Posts: 3,796 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I assume the insurer asks when you first get the policy whether there is any damage to the car.

    Why do you have to assume this? Do you not have car insurance, and therefore draw on your own experience?

    I have never, in over 20 years of driving, been asked about the condition of the car when buying insurance.
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