Tree fell on my car as I was driving - how to deal with it?

Quentin

CKhalvashi wrote: »

I would say that this is an 'incident', and that the insurance company should be made aware.

If we inform our insurer about every incident requiring a respray job we get done then they are going to need a new filing cabinet!


Bear in mind if you report every repair you get done they will put it in your record of "losses" which you will have to disclose to future insurers and can expect it to impact your premiums for up to 5 years!

losgiganteskid

Quentin wrote: »

If we inform our insurer about every incident requiring a respray job we get done then they are going to need a new filing cabinet!



Bear in mind if you report every repair you get done they will put it in your record of "losses" which you will have to disclose to future insurers and can expect it to impact your premiums for up to 5 years!

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Clearly if you intended to merely have a respray following some corrosive damage rectified and sprayed - that would not need to be notified as there is no cover under the policy in any event - BUT in this case where you intended carrying out repairs following an incident that would/could constitute a claim under your car insurance strictly speaking you should notify your insurers - particulary if you intended going down the course of trying to claim off the council - who would certainly require to know the identity of and make contact with your own motor insurers to ensure you were not claiming off them as well !

mrs_sparrow

losgiganteskid wrote: »

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Clearly if you intended to merely have a respray following some corrosive damage rectified and sprayed - that would not need to be notified as there is no cover under the policy in any event - BUT in this case where you intended carrying out repairs following an incident that would/could constitute a claim under your car insurance strictly speaking you should notify your insurers - particulary if you intended going down the course of trying to claim off the council - who would certainly require to know the identity of and make contact with your own motor insurers to ensure you were not claiming off them as well !

But if the work was being done ourselves we would not be intending on claiming.

This was exactly my question - if we made a claim would they notify our insurers, if the answer is yes then we would not bother. I can understand they would want to know it was a double claim situation and not one I had thought abouth. Thank you.

As it is we have decided not to bother as it'll be far more hassle than it is worth. We will either get it done ourselves in a few months time when funds permit, or leave it as is and trade it in next year and get another new one.

And change insurers to get a better policy with protected NCB!!

losgiganteskid

Yes - if you made a claim against the council they would for sure ask you your insurance details and make contact with them for the reason I have already given. In the circumstances you would probably best to do exactly what you intend.