not covered for car insurance?

Windy8

My husband had an accident in my car. I was of the understanding that he was named driver on my policy (fully comp)
apparently not as although this request was made via comparison website, this information was not passed across to insurer, and I did not check documents properly. I ws told that I'm not covered by my insurer. My husband is about to claim on his policy which allows him to drive another vehicle insured for 3rd party. No one has claimed responsibility although the other driver skidded into him whilst he was stationary. The other car looked written off, and now my car has been declared not repairable. Why am I not also considered to be a third party and therefore covered under his insurance? Or how can I make a claim?

Foxy-Stoat_3

Your husband makes a claim against the Third Party insurers for damages to your car. If your husband was stationary then he will have a reasonable chance, where there any witnesses?

Hyperxr

Windy8 wrote: »

My husband had an accident in my car. I was of the understanding that he was named driver on my policy (fully comp)
apparently not as although this request was made via comparison website, this information was not passed across to insurer, and I did not check documents properly. I ws told that I'm not covered by my insurer. My husband is about to claim on his policy which allows him to drive another vehicle insured for 3rd party. No one has claimed responsibility although the other driver skidded into him whilst he was stationary. The other car looked written off, and now my car has been declared not repairable. Why am I not also considered to be a third party and therefore covered under his insurance? Or how can I make a claim?

Lol this is hilarious. OP what you are trying to do is commit fraud. You're car is written off, and your insurance is under no obligation to cover it. Deal with it.

Piece of advice: Next time at least come up with a better reason rather than saying 'I thought I'd entered it on the comparison website and I didn't bother to check the vehicles.'

Everyone wants something for nothing these days it seems...

forgotmyname

Your husbands cover will be 3rd party only. His insurance will say thank you for letting us know and have a nice day.

Or pass you onto an accident management company and get some money for that. Or you could choose your own.

Contact their insurance and see if they admit fault. If they did claim directly. They wont want you to use accident management if possible.

IanMSpencer

Windy8 wrote: »

My husband had an accident in my car. I was of the understanding that he was named driver on my policy (fully comp)
apparently not as although this request was made via comparison website, this information was not passed across to insurer, and I did not check documents properly. I ws told that I'm not covered by my insurer. My husband is about to claim on his policy which allows him to drive another vehicle insured for 3rd party. No one has claimed responsibility although the other driver skidded into him whilst he was stationary. The other car looked written off, and now my car has been declared not repairable. Why am I not also considered to be a third party and therefore covered under his insurance? Or how can I make a claim?

Your problem will be that your husband will only be covered for 3rd party cover, so although technically covered, you will not have insurance cover for the accident - as far as your insurers are concerned, they are not providing any cover for any other drivers, so it is up to the other insurers. You will need to claim against the other driver for your losses by yourself. If the other insurer does not accept liability, then you may not be able to get any money. Insurers will not cover you as a third party to the driver as it would create the ability to cover multiple cars with comprehensive insurance without needing more than 3rd party on the others. You also need to check that you do not have an issue that as husband and wife they might consider that your husband effectively jointly owns your car and cannot claim for as a car not owned by himself (and is not insured).

Drive other cars insurance is really only designed for emergencies and provides the minimum cover to drive legally but does not cover your own car.

Always check the documents. Just changed our insurance to cover daughter's commuting and work usage and they managed to give cover for driving on business but explicitly excluding commuting to work.

Windy8

Hyperxr wrote: »

Lol this is hilarious. OP what you are trying to do is commit fraud. You're car is written off, and your insurance is under no obligation to cover it. Deal with it.

Piece of advice: Next time at least come up with a better reason rather than saying 'I thought I'd entered it on the comparison website and I didn't bother to check the vehicles.'

Everyone wants something for nothing these days it seems...

This is my first post on MSE. I had a message for Newbies to be especially nice when replying. As you're also a Newby, perhaps you weren't told.....

Iceweasel

I shall be especially nice as you're a newbie.

"I was of the understanding" and "I did not check the documents properly" is your downfall here.

Those two statement count for less than zero - in that they make you appear foolish to say the least.

I wish you good luck with this - but if the driver of the car which damaged yours denies responsibility - then you have a long uphill struggle ahead.

And as said already - if your husband has any financial interest in your car - then you fall again at the next hurdle - who paid for your car? (or any deposit or initial payment, or any car that you traded in for it) - did the money come from a joint account?

I'm not judging you in any way at all - but it appears that you have been rather naieve.

Tilt

Hyperxr wrote: »

Lol this is hilarious. OP what you are trying to do is commit fraud. You're car is written off, and your insurance is under no obligation to cover it. Deal with it.

Piece of advice: Next time at least come up with a better reason rather than saying 'I thought I'd entered it on the comparison website and I didn't bother to check the vehicles.'

Everyone wants something for nothing these days it seems...

Is it? The OP came here for advice, not to be laughed at. If this is your style of contribution, maybe your on the wrong site?

OP, if your car was stationary when the other car collided with it, I would suggest that your husband was not at fault. The other party will have to take your husband's insurance details rather than your's to deal with the claim. Unfortunately though, your husband's insurers will only deal with the TP's claim (assuming they have a valid one) so it would be up to your husband himself to claim off the other driver by (if necessary) issuing a county court claim. But before that, he will need to send him/her a breakdown of what is being claimed for which the TP should pass on to his insurers. Hopefully the other driver IS insured as their insurers will eventually settle the claim when liability is accepted. As others have said, this could be a lengthy process.

arcon5

Contact the other parties insurance company - they'll deal with it for you.

JustinR1979

Hyperxr wrote: »

Lol this is hilarious. OP what you are trying to do is commit fraud. You're car is written off, and your insurance is under no obligation to cover it. Deal with it.

Piece of advice: Next time at least come up with a better reason rather than saying 'I thought I'd entered it on the comparison website and I didn't bother to check the vehicles.'

Everyone wants something for nothing these days it seems...

If you think this is hilarious, wait 'til you read this: https://forums.moneysavingexpert.com/discussion/5065087

dacouch

Hyperxr wrote: »

Lol this is hilarious. OP what you are trying to do is commit fraud. You're car is written off, and your insurance is under no obligation to cover it. Deal with it.

Piece of advice: Next time at least come up with a better reason rather than saying 'I thought I'd entered it on the comparison website and I didn't bother to check the vehicles.'

Everyone wants something for nothing these days it seems...

It's not Insurance fraud