Hit by French HGV driver

C_Mababejive

Whenever i see a foreign plated HGV i stay well clear.

loskie

C_Mababejive wrote: »

Whenever i see a foreign plated HGV i stay well clear.

That's most of the time then.

captainawsome

So basically a foreign HGV driver can come over on a job, crash into whatever he likes and the victims will have to foot the bill because it's too much hassle for the insurance companies to recover the costs? Surly that can't be how it works, it must happen quite often given the number of foreign lorries on the roads

Crabman

cutandshut wrote: »

I don't understand why everybody doesn't have protected no claims bonus. It doesn't cost much and saves all this kind of hassle.

It doesn't save any hassle at all and you will still have a raised premium because of a policy claim.

xHannahx

C_Mababejive wrote: »

Whenever i see a foreign plated HGV i stay well clear.

Me too, my hubby will stay back from any HGV on a roundabout.

[Deleted User]

cutandshut wrote: »

I don't understand why everybody doesn't have protected no claims bonus. It doesn't cost much and saves all this kind of hassle.

Protected no claims or not, your insurance still goes up when you declare that you have made a claim/had an accident in the past.

dacouch

Deleted_User wrote: »

Protected no claims or not, your insurance still goes up when you declare that you have made a claim/had an accident in the past.

Crabman wrote: »

It doesn't save any hassle at all and you will still have a raised premium because of a policy claim.

The increase in premium following an accident where your Insurer cannot recover their losses is considerably lower with protected than without protected no claims bonus.

C_Mababejive

xHannahx wrote: »

Me too, my hubby will stay back from any HGV on a roundabout.

True..clearly a long wide vehicle is likely to shave off a bit of the curve as it turns unless it has a rear wheel steer axle.

Also there is the issue of the driver being on the wrong side. They now have to have extra mirrors as so many accidents have occurred with LHD trucks manoeuvring on motorways and killing people purely because they thought the way was clear and it wasnt.

Even so, the driver sat over on the left,has to perceived what is in his mirrors or the lens stuck on his passenger window from quite a distance across the cab so still iffy.

On motorways where you are most likely to encounter them, i would never overtake an HGV without a pre planned escape route i.e the next lane to the right is clear..

some examples

https://www.youtube.com/watch?v=wB3TbB1dREo


https://www.youtube.com/watch?v=l_eiP8sk_KQ

mattyprice4004

victor2 wrote: »

I certainly pay the extra to have my NCD protected - it does cost, but not as much as the discount you get!
However, a no-fault claim invariably causes your premium to increase at renewal. My brother had protected NCD and had his car keyed, so he claimed. The premium went up quite a bit at renewal and the insurers said it was because he had claimed. In response to his "but I have protected NCD", they replied "you should see the premium without your NCD!"

Anyway, good luck OP. Chase the insurers to recover your claim, but it is unfortunately going to cost you.

Your brothers claim wasn't non fault though - a non fault claim is where the amount is recovered from another insurer, which won't have happened.

InsideInsurance

captainawsome wrote: »

So basically a foreign HGV driver can come over on a job, crash into whatever he likes and the victims will have to foot the bill because it's too much hassle for the insurance companies to recover the costs? Surly that can't be how it works, it must happen quite often given the number of foreign lorries on the roads

Insurers do ultimately have to work on economics. If the cost of the repair is £100 but the cost of getting their money back is £500 then there is no point trying to make a recovery as even if you do you'd be worse off than if you just write it off.

However in this case I believe the claims advisor has given poor advice and that the insurer will indeed pursue the third party. In my claims days it was a slow process but had no significant costs above a normal UK -v- UK claim for the UK based insurer.

In some circumstances an insurer will consider closing a case as non-fault where it is a purely economic decision that prevents a recovery.